Swift County, MN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Swift County, Minnesota? DLRadar grades every Swift County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 15/100. Here is the 2026 Swift County breakdown.
- Swift County's most distressed ZIP is 56289 at 15/100.
- 11 ZIP codes tracked in Swift County, averaging 6/100 distress.
- Swift County reads peak — home values up 3.4% year over year.
- Vacancy runs 14% across Swift County's tracked ZIPs, with a 9% poverty rate.
- The typical Swift County home is worth about $179,764 against a ~$69,143 median income.
- Lending headwind in Swift County sits at 33/100 — 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 | 56289 | 15/100 |
| 2 | 56262 | 12/100 |
| 3 | 56252 | 8/100 |
| 4 | 56226 | 7/100 |
| 5 | 56271 | 5/100 |
| 6 | 56208 | 4/100 |
| 7 | 56215 | 4/100 |
| 8 | 56231 | 4/100 |
| 9 | 56249 | 4/100 |
| 10 | 56244 | 3/100 |
| 11 | 56207 | 2/100 |
Most distressed ZIP codes in Swift County (composite distress 0-100, 2026)
What is driving Swift County distress
Nothing here is estimated: Swift County is scored from filings alone, and its ZIPs average 6/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Swift County market phase and pricing
Swift 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 Swift County
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Questions about this county
What is the most distressed ZIP code in Swift County, MN?
ZIP 56289 leads Swift County at 15/100, recomputed monthly from public records.
Which phase does Swift County sit in right now?
Swift County is classified peak with a 3.4% year-over-year increase, following the FHFA House Price Index.
Can the Swift County figures be verified?
The inputs are all public: FHFA for the peak path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 11 ZIP codes in Swift County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Swift County ZIP codes?
A single county score papers over real variation. Across the Swift County ZIPs DLRadar ranks, scores run from 15/100 in 56289 down to 2/100 in 56207, against a Swift County average of 6/100. That 13-point gap is why acquisition targeting in Swift County works at ZIP level rather than county level.
What do Swift County home values and vacancy say about distressed supply?
The typical Swift County home carries about $179,764 of value against a median household income near $69,143. Vacancy across Swift County's tracked ZIPs runs 14% and the poverty rate is 9%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Swift County's foreclosure and lien filings and its 33/100 lending headwind.
Related
Every score is formula-driven and sourced from public records. Treat it as research, not investment, legal or financial advice. Monthly refresh.