Stearns County, MN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Stearns County, Minnesota? DLRadar grades every Stearns County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 22/100. Here is the 2026 Stearns County breakdown.
- Stearns County's most distressed ZIP is 56301 at 22/100.
- 33 ZIP codes tracked in Stearns County, averaging 20/100 distress.
- Stearns County reads peak — home values up 3.2% year over year.
- Vacancy runs 11.3% across Stearns County's tracked ZIPs, with a 10% poverty rate.
- The typical Stearns County home is worth about $264,088 against a ~$78,959 median income.
- Lending headwind in Stearns County sits at 55/100 — 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 | 56301 | 22/100 |
| 2 | 56303 | 22/100 |
| 3 | 56307 | 22/100 |
| 4 | 56310 | 22/100 |
| 5 | 56320 | 22/100 |
| 6 | 56321 | 22/100 |
| 7 | 56325 | 22/100 |
| 8 | 56331 | 22/100 |
| 9 | 56335 | 22/100 |
| 10 | 56340 | 22/100 |
| 11 | 56352 | 22/100 |
| 12 | 56356 | 22/100 |
Most distressed ZIP codes in Stearns County (composite distress 0-100, 2026)
What is driving Stearns County distress
Stearns County's placement in the national index rests on public filings — a 20/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Stearns County market phase and pricing
DLRadar places Stearns County in peak; prices moved up 3.2% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Stearns County
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Frequently asked questions
What is the hardest-hit ZIP in Stearns County?
ZIP 56301 leads Stearns County at 22/100, recomputed monthly from public records.
What market phase is Stearns County in?
The market phase for Stearns County is peak, prices rising 3.2% on the year — derived from the FHFA House Price Index path.
What are the sources behind these Stearns County numbers?
Stearns 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 33 ZIPs are comparable to anywhere else.
How much do distress scores vary between Stearns County ZIP codes?
Averaging the county conceals how uneven it is. Across the Stearns County ZIPs DLRadar ranks, scores run from 22/100 in 56301 down to 22/100 in 56356, against a Stearns County average of 20/100. With 0 points between best and worst, county-level targeting in Stearns County wastes effort.
What do Stearns County home values and vacancy say about distressed supply?
The typical Stearns County home carries about $264,088 of value against a median household income near $78,959. Vacancy across Stearns County's tracked ZIPs runs 11.3% and the poverty rate is 10%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Stearns County's foreclosure and tax-lien filings and its 55/100 lending headwind.
Related
These scores come from public filings run through fixed formulas. Nothing here is investment, legal or financial advice; the index refreshes monthly.