Union County, SD Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Union County, South Dakota? DLRadar grades every Union County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 26/100. Here is the 2026 Union County breakdown.
- Union County's most distressed ZIP is 51001 at 26/100.
- 9 ZIP codes tracked in Union County, averaging 23/100 distress.
- Union County reads contraction — home values down 1.3% year over year, 1.3% off peak.
- Vacancy runs 6.8% across Union County's tracked ZIPs, with a 6.1% poverty rate.
- The typical Union County home is worth about $255,611 against a ~$84,000 median income.
- Lending headwind in Union County sits at 5/100 — 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 | 51001 | 26/100 |
| 2 | 57034 | 24/100 |
| 3 | 57001 | 23/100 |
| 4 | 57004 | 23/100 |
| 5 | 57025 | 23/100 |
| 6 | 57038 | 23/100 |
| 7 | 57049 | 23/100 |
| 8 | 51023 | 21/100 |
| 9 | 57010 | 21/100 |
Most distressed ZIP codes in Union County (composite distress 0-100, 2026)
What is driving Union County distress
DLRadar builds Union County's distress picture only from records anyone can pull; its ZIPs average 23/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Union County market phase and pricing
Union County reads contraction — home prices fell 1.3% over the last year and are 1.3% off their peak. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
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Frequently asked questions
Which Union County ZIP scores worst for distress?
ZIP 51001 leads Union County at 26/100, recomputed monthly from public records.
How would you describe the Union County market phase?
Phase for Union County: contraction, tracking a 1.3% decline year over year, read off the FHFA index.
How is the Union County data sourced?
Union County draws on FHFA (contraction 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 9 ZIPs are comparable to anywhere else.
How much do distress scores vary between Union County ZIP codes?
One county number flattens a wide range. Across the Union County ZIPs DLRadar ranks, scores run from 26/100 in 51001 down to 21/100 in 57010, against a Union County average of 23/100. A spread of 5 points means Union County has to be worked ZIP by ZIP.
What do Union County home values and vacancy say about distressed supply?
The typical Union County home carries about $255,611 of value against a median household income near $84,000. Vacancy across Union County's tracked ZIPs runs 6.8% and the poverty rate is 6.1%. 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 5/100 lending headwind.
Related
Scores are computed, not advised: public records, fixed formulas, monthly refresh. Not investment, legal or financial advice.