St. Louis County, MN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in St. Louis County, Minnesota? DLRadar grades every St. Louis County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 30/100. Here is the 2026 St. Louis County breakdown.
- St. Louis County's most distressed ZIP is 55702 at 30/100.
- 52 ZIP codes tracked in St. Louis County, averaging 27/100 distress.
- St. Louis County reads peak — home values up 3.4% year over year.
- Vacancy runs 26.7% across St. Louis County's tracked ZIPs, with a 11.4% poverty rate.
- The typical St. Louis County home is worth about $217,129 against a ~$72,314 median income.
- Lending headwind in St. Louis County sits at 48/100 — a forward read on distressed supply.
All numbers: DLRadar's monthly public-record distress index. Reuse is welcome with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 55702 | 30/100 |
| 2 | 55703 | 30/100 |
| 3 | 55705 | 30/100 |
| 4 | 55706 | 30/100 |
| 5 | 55708 | 30/100 |
| 6 | 55710 | 30/100 |
| 7 | 55711 | 30/100 |
| 8 | 55713 | 30/100 |
| 9 | 55717 | 30/100 |
| 10 | 55719 | 30/100 |
| 11 | 55724 | 30/100 |
| 12 | 55725 | 30/100 |
Most distressed ZIP codes in St. Louis County (composite distress 0-100, 2026)
What is driving St. Louis County distress
Nothing here is estimated: St. Louis County is scored from filings alone, and its ZIPs average 27/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
St. Louis County market phase and pricing
St. Louis County reads peak — home prices rose 3.4% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in St. Louis County
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Frequently asked
Which ZIP code leads St. Louis County on distress?
ZIP 55702 leads St. Louis County at 30/100, recomputed monthly from public records.
Is St. Louis County expanding or contracting?
St. Louis County is classified peak with a 3.4% year-over-year increase, following the FHFA House Price Index.
Which datasets feed the St. Louis County scores?
St. Louis County draws on FHFA (peak trajectory), CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS — every one a public source. The scoring model does not change between counties, so these 52 ZIPs are comparable to anywhere else.
How much do distress scores vary between St. Louis County ZIP codes?
A county average hides the spread. Across the St. Louis County ZIPs DLRadar ranks, scores run from 30/100 in 55702 down to 30/100 in 55725, against a St. Louis County average of 27/100. A spread of 0 points means St. Louis County has to be worked ZIP by ZIP.
What do St. Louis County home values and vacancy say about distressed supply?
The typical St. Louis County home carries about $217,129 of value against a median household income near $72,314. Vacancy across St. Louis County's tracked ZIPs runs 26.7% and the poverty rate is 11.4%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to St. Louis County's foreclosure and lien filings and its 48/100 lending headwind.
Related
DLRadar scores property distress from public records by deterministic formulas — not investment, legal, or financial advice. Figures refresh monthly from the live index.