Stearns County, MN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Stearns County, MN distress report, 2026: 33 ZIPs scored in Stearns, MN, Stearns, MN average 21/100; the top Stearns, MN ZIP is 56301 at 23/100; Stearns, MN market phase peak, Stearns, MN prices +3.2% year over year.
- Stearns, MN ranks #2,715 nationally (opportunity index); Stearns, MN #55 in Minnesota; Stearns, MN index 24.9.
- Stearns, MN ninety-day mortgage delinquency 0.7% in December 2025; Stearns, MN twelve-month change +0.1%.
- Stearns, MN ZIP phases: 33 peak.
- Stearns, MN residential listings tracked: 37 across 26 ZIPs; Stearns, MN candidate listings 17.
- Stearns, MN HUD assisted properties: 10 with 529 units.
- Stearns, MN lenders on watch: 8; largest Stearns, MN footprint Liberty Bank Minnesota (4 branches).
- Stearns, MN most distressed ZIP: 56301 at 23/100.
Stearns, MN figures: DLRadar distress index; Stearns, MN inputs: CFPB, FHFA, HUD, FDIC; Stearns, MN rebuilt as sources refresh.
| Rank | Stearns, MN ZIP | Score |
|---|---|---|
| 1 | 56301 | 23/100 |
| 2 | 56303 | 23/100 |
| 3 | 56307 | 23/100 |
| 4 | 56310 | 23/100 |
| 5 | 56320 | 23/100 |
| 6 | 56321 | 23/100 |
| 7 | 56325 | 23/100 |
| 8 | 56331 | 23/100 |
| 9 | 56335 | 23/100 |
| 10 | 56352 | 23/100 |
| 11 | 56356 | 23/100 |
| 12 | 56368 | 23/100 |
Most distressed Stearns, MN ZIPs (0-100, 2026)
Mortgage delinquency in Stearns, MN
0.7% of Stearns, MN mortgages were ninety-plus days late (Stearns, MN, December 2025); Stearns, MN thirty-to-eighty-nine days late: 1.6%; Stearns, MN twelve-month change +0.1%; Stearns, MN peak since 2008: 2.6% (May 2012); Minnesota overall 0.6%. Stearns, MN ninety-day series: Dec 24 0.6, Jan 25 0.8, Feb 25 1.2 (Stearns, MN), Mar 25 0.9, Apr 25 0.8, May 25 0.5 (Stearns, MN), Jun 25 0.6, Jul 25 1.2, Aug 25 1.0 (Stearns, MN), Sep 25 0.8, Oct 25 0.9, Nov 25 0.5 (Stearns, MN), Dec 25 0.7.
Opportunity index: Stearns, MN
Stearns, MN index 24.9, Stearns, MN phase weak; Stearns, MN primary driver construction, Stearns, MN second driver bank institutional. Stearns, MN components: property stress 9.1, foreclosure pressure 8.7, listing discounts 18.7, bank stress 61.3, insurance 0.0; Stearns, MN pulse 30.1; Stearns, MN capital opportunity 17.1.
ZIP market phases inside Stearns, MN
33 Stearns, MN ZIPs carry a price-cycle phase; Stearns, MN ZIPs by phase (Stearns, MN), deepest drawdown first: peak, +2.9% YoY (Stearns, MN): 55320, 55382; peak, +3.3% YoY (Stearns, MN): 55329, 55353, 55389, 56307, Stearns, MN 56316, 56331; peak, +3.2% YoY (Stearns, MN): 56301, 56303, 56310, 56320, Stearns, MN 56321, 56325; peak, +3.1% YoY (Stearns, MN): 56312; peak, +3.4% YoY (Stearns, MN): 56314.
Residential listings by Stearns, MN ZIP
Stearns, MN ZIPs with the most tracked Stearns, MN residential listings: 56303 15 listings, 3 candidates, bank pressure 62; 56301 6 listings, 2 candidates, bank pressure 62; 56377 5 listings, 3 candidates, bank pressure 61; 56378 3 listings, 2 candidates, bank pressure 63 (Stearns, MN); 55320 2 listings, 2 candidates, bank pressure 64; 56368 2 listings, 1 candidates, bank pressure 62; 55353 1 listings, 1 candidates, bank pressure 63; 56307 1 listings, 1 candidates, bank pressure 62. Stearns, MN totals: 37 listings; Stearns, MN candidates 17; active ZIPs 10.
HUD assisted housing in Stearns, MN
10 assisted properties with 529 units sit in Stearns, MN; largest Stearns, MN properties: Westwood Parkway Estates (Saint Cloud) 179 units; John Paul Apts (Cold Spring) 61 units, 61 assisted; Westwind Apartments (Saint Cloud) 60 units in Stearns, MN; Sartell Senior Housing, Inc. (Sartell) 43 units, 43 assisted; Mercy Manor (Albany) 41 units, 40 assisted; Carlson Crossing (Saint Joseph) 36 units, 36 assisted.
Lenders with branches in Stearns, MN
Stearns, MN lenders by branch count: Liberty Bank Minnesota (Stearns, MN): stress 72, 4 branches low in Stearns, MN; Sentry Bank (Stearns, MN): stress 69, 4 branches low in Stearns, MN; Freeport State Bank (Stearns, MN): stress 68, 3 branches low in Stearns, MN; Stearns Bank National Assn (Stearns, MN): stress 26, 3 branches low in Stearns, MN; Harvest Bank (Stearns, MN): stress 76, 2 branches low in Stearns, MN; Kensington Bank (Stearns, MN): stress 65, 2 branches low in Stearns, MN; Falcon National Bank (Stearns, MN): stress 64, 2 branches low in Stearns, MN; Deerwood Bank (Stearns, MN): stress 59, 2 branches low in Stearns, MN.
Vacancy and permits, Stearns, MN
5,222 of 66,625 Stearns, MN housing units are vacant; Stearns, MN permits, twelve months: 141 multifamily units in Stearns, MN, 359 one-to-four unit units.
Work Stearns, MN at the parcel level
Every Stearns, MN parcel carries owner and address; every Stearns, MN parcel carries APN; Stearns, MN distress scores sit on the Stearns, MN live board.
Stearns, MN figures refresh with each source.
Stearns, MN questions
Most distressed ZIP code in Stearns County, MN?
ZIP 56301 leads Stearns, MN at 23/100; next in Stearns, MN: 56303 at 23/100; the Stearns, MN average is 21/100.
Where does Stearns County, MN rank for investment opportunity?
Stearns, MN is #2,715 among all ranked counties, #55 in Minnesota; the Stearns, MN driver is construction; Stearns, MN moved down 427 places.
How many mortgages are delinquent in Stearns County, MN?
0.7% of Stearns, MN mortgages were ninety-plus days late in December 2025; the Stearns, MN peak since 2008 was 2.6%.
Which banks lend in Stearns County, MN?
8 watched lenders hold Stearns, MN branches; the largest Stearns, MN footprints are Liberty Bank Minnesota (4), Sentry Bank (4), Freeport State Bank (3).
More on Stearns, MN
Stearns County, MN distress report: public-record figures for Stearns, MN; not legal advice for Stearns, MN; not tax or investment advice; verify every Stearns, MN record before acting.