St. Louis County, MN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
St. Louis County, MN distress report, 2026: 52 ZIPs scored in St. Louis, MN, St. Louis, MN average 26/100; the top St. Louis, MN ZIP is 55702 at 28/100; St. Louis, MN market phase peak, St. Louis, MN prices +3.4% year over year.
- St. Louis, MN ranks #1,723 nationally (opportunity index); St. Louis, MN #20 in Minnesota; St. Louis, MN index 28.7.
- St. Louis, MN ninety-day mortgage delinquency 0.7% in December 2025; St. Louis, MN twelve-month change -0.5%.
- St. Louis, MN ZIP phases: 52 peak.
- St. Louis, MN residential listings tracked: 59 across 42 ZIPs; St. Louis, MN candidate listings 43.
- St. Louis, MN HUD assisted properties: 25 with 1,595 units.
- St. Louis, MN lenders on watch: 8; largest St. Louis, MN footprint Park State Bank (12 branches).
- St. Louis, MN most distressed ZIP: 55702 at 28/100.
St. Louis, MN figures: DLRadar distress index; St. Louis, MN inputs: CFPB, FHFA, HUD, FDIC; St. Louis, MN rebuilt as sources refresh.
| Rank | St. Louis, MN ZIP | Score |
|---|---|---|
| 1 | 55702 | 28/100 |
| 2 | 55703 | 28/100 |
| 3 | 55705 | 28/100 |
| 4 | 55706 | 28/100 |
| 5 | 55708 | 28/100 |
| 6 | 55710 | 28/100 |
| 7 | 55711 | 28/100 |
| 8 | 55713 | 28/100 |
| 9 | 55717 | 28/100 |
| 10 | 55719 | 28/100 |
| 11 | 55724 | 28/100 |
| 12 | 55725 | 28/100 |
Most distressed St. Louis, MN ZIPs (0-100, 2026)
Mortgage delinquency in St. Louis, MN
0.7% of St. Louis, MN mortgages were ninety-plus days late (St. Louis, MN, December 2025); St. Louis, MN thirty-to-eighty-nine days late: 1.9%; St. Louis, MN twelve-month change -0.5%; St. Louis, MN peak since 2008: 3.2% (October 2009); Minnesota overall 0.6%. St. Louis, MN ninety-day series: Dec 24 1.2, Jan 25 1.2, Feb 25 1.0 (St. Louis, MN), Mar 25 1.0, Apr 25 1.0, May 25 0.8 (St. Louis, MN), Jun 25 0.7, Jul 25 0.8, Aug 25 0.7 (St. Louis, MN), Sep 25 0.7, Oct 25 0.7, Nov 25 0.6 (St. Louis, MN), Dec 25 0.7.
Opportunity index: St. Louis, MN
St. Louis, MN index 28.7, St. Louis, MN phase early_signal; St. Louis, MN primary driver bank institutional, St. Louis, MN second driver vacancy. St. Louis, MN components: property stress 26.6, foreclosure pressure 26.3, listing discounts 23.3, bank stress 64.2, insurance 0.0; St. Louis, MN pulse 33.2; St. Louis, MN capital opportunity 21.9; St. Louis, MN seven-day change +0.6%.
ZIP market phases inside St. Louis, MN
52 St. Louis, MN ZIPs carry a price-cycle phase; St. Louis, MN ZIPs by phase (St. Louis, MN), deepest drawdown first: peak, +3.4% YoY (St. Louis, MN): 55602, 55616, 55702, 55703, St. Louis, MN 55705, 55706, 55708, 55710, St. Louis, MN 55711, 55713, 55717, 55719, St. Louis, MN 55720, 55724, 55725; peak, +3.2% YoY (St. Louis, MN): 55723.
Residential listings by St. Louis, MN ZIP
St. Louis, MN ZIPs with the most tracked St. Louis, MN residential listings: 55746 6 listings, 5 candidates, bank pressure 69; 55734 5 listings, 3 candidates, bank pressure 70; 55771 5 listings, 4 candidates, bank pressure 68; 55779 4 listings, 4 candidates, bank pressure 70 (St. Louis, MN); 55724 3 listings, 3 candidates, bank pressure 70; 55806 3 listings, 0 candidates, bank pressure 70; 55719 2 listings, 1 candidates, bank pressure 70; 55723 2 listings, 1 candidates, bank pressure 69. St. Louis, MN totals: 59 listings; St. Louis, MN candidates 43; active ZIPs 4.
HUD assisted housing in St. Louis, MN
25 assisted properties with 1,595 units sit in St. Louis, MN; largest St. Louis, MN properties: Vue At Bluestone (Duluth) 193 units; Park Place Apartments Aka Meadowview Apts (Hibbing) 135 units, 80 assisted; Raintree West Apartments (Mountain Iron) 133 units, 115 assisted in St. Louis, MN; The Crest At Lakeshore (Duluth) 98 units; Village Of Matterhorn (Duluth) 96 units; Lee Center (Hibbing) 95 units, 95 assisted.
Lenders with branches in St. Louis, MN
St. Louis, MN lenders by branch count: Park State Bank (St. Louis, MN): stress 65, 12 branches low in St. Louis, MN; North Shore Bank Of Commerce (St. Louis, MN): stress 65, 7 branches low in St. Louis, MN; Frandsen Bank&Trust (St. Louis, MN): stress 48, 5 branches low in St. Louis, MN; Western National Bank (St. Louis, MN): stress 86, 3 branches low in St. Louis, MN; First Nb Of Gilbert (St. Louis, MN): stress 87, 2 branches low in St. Louis, MN; Northern Stb Of Virginia (St. Louis, MN): stress 67, 2 branches low in St. Louis, MN; Highland Bank (St. Louis, MN): stress 99, 1 branch low in St. Louis, MN; First Nb Of Proctor (St. Louis, MN): stress 85, 1 branch low in St. Louis, MN.
Vacancy and permits, St. Louis, MN
17,148 of 104,263 St. Louis, MN housing units are vacant; St. Louis, MN permits, twelve months: 280 multifamily units in St. Louis, MN, 269 one-to-four unit units.
Work St. Louis, MN at the parcel level
Every St. Louis, MN parcel carries owner and address; every St. Louis, MN parcel carries APN; St. Louis, MN distress scores sit on the St. Louis, MN live board.
St. Louis, MN figures refresh with each source.
St. Louis, MN questions
Most distressed ZIP code in St. Louis County, MN?
ZIP 55702 leads St. Louis, MN at 28/100; next in St. Louis, MN: 55703 at 28/100; the St. Louis, MN average is 26/100.
Where does St. Louis County, MN rank for investment opportunity?
St. Louis, MN is #1,723 among all ranked counties, #20 in Minnesota; the St. Louis, MN driver is bank institutional; St. Louis, MN moved down 123 places.
How many mortgages are delinquent in St. Louis County, MN?
0.7% of St. Louis, MN mortgages were ninety-plus days late in December 2025; the St. Louis, MN peak since 2008 was 3.2%.
Which banks lend in St. Louis County, MN?
8 watched lenders hold St. Louis, MN branches; the largest St. Louis, MN footprints are Park State Bank (12), North Shore Bank Of Commerce (7), Frandsen Bank&Trust (5).
More on St. Louis, MN
St. Louis County, MN distress report: public-record figures for St. Louis, MN; not legal advice for St. Louis, MN; not tax or investment advice; verify every St. Louis, MN record before acting.