Union County, IA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Union County, Iowa? DLRadar grades every Union County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 14/100. Here is the 2026 Union County breakdown.
- Union County's most distressed ZIP is 50149 at 14/100.
- 11 ZIP codes tracked in Union County, averaging 8/100 distress.
- Union County reads peak — home values up 2.5% year over year.
- Vacancy runs 15.4% across Union County's tracked ZIPs, with a 9.8% poverty rate.
- The typical Union County home is worth about $179,256 against a ~$61,214 median income.
- Lending headwind in Union County sits at 64/100 — a forward read on distressed supply.
Numbers from the DLRadar public-record distress index, refreshed each month. Quote them freely with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 50149 | 14/100 |
| 2 | 50174 | 9/100 |
| 3 | 50801 | 8/100 |
| 4 | 50845 | 8/100 |
| 5 | 50254 | 7/100 |
| 6 | 50830 | 7/100 |
| 7 | 50831 | 7/100 |
| 8 | 50842 | 7/100 |
| 9 | 50851 | 7/100 |
| 10 | 50861 | 6/100 |
| 11 | 50074 | 4/100 |
Most distressed ZIP codes in Union County (composite distress 0-100, 2026)
What is driving Union County distress
Union County's placement in the national index rests on public filings — a 8/100 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.
Union County market phase and pricing
The cycle in Union County is peak, with values up 2.5% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
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Questions and answers
Where is distress highest inside Union County, IA?
ZIP 50149 leads Union County at 14/100, recomputed monthly from public records.
How would you describe the Union County market phase?
The market phase for Union County is peak, prices rising 2.5% on the year — derived from the FHFA House Price Index path.
Can the Union County figures be verified?
Union 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 11 ZIPs are comparable to anywhere else.
How much do distress scores vary between Union County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Union County ZIPs DLRadar ranks, scores run from 14/100 in 50149 down to 4/100 in 50074, against a Union County average of 8/100. That 10-point gap is why acquisition targeting in Union County works at ZIP level rather than county level.
What do Union County home values and vacancy say about distressed supply?
The typical Union County home carries about $179,256 of value against a median household income near $61,214. Vacancy across Union County's tracked ZIPs runs 15.4% and the poverty rate is 9.8%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Union County's filings and its 64/100 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.