Vilas County, WI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Vilas County, Wisconsin? DLRadar grades every Vilas County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 17/100. Here is the 2026 Vilas County breakdown.
- Vilas County's most distressed ZIP is 54512 at 17/100.
- 13 ZIP codes tracked in Vilas County, averaging 17/100 distress.
- Vilas County reads peak — home values up 4.6% year over year.
- Vacancy runs 60% across Vilas County's tracked ZIPs, with a 8.2% poverty rate.
- The typical Vilas County home is worth about $325,538 against a ~$68,489 median income.
- Lending headwind in Vilas County sits at 42/100 — a forward read on distressed supply.
Data: DLRadar public-record property-distress index, refreshed monthly. Free to cite with attribution to DLRadar (dlradar.com) — a link back is appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 54512 | 17/100 |
| 2 | 54519 | 17/100 |
| 3 | 54540 | 17/100 |
| 4 | 54545 | 17/100 |
| 5 | 54554 | 17/100 |
| 6 | 54557 | 17/100 |
| 7 | 54558 | 17/100 |
| 8 | 54560 | 17/100 |
| 9 | 54561 | 17/100 |
| 10 | 54568 | 17/100 |
| 11 | 54521 | 16/100 |
| 12 | 54538 | 16/100 |
Most distressed ZIP codes in Vilas County (composite distress 0-100, 2026)
What is driving Vilas County distress
DLRadar builds Vilas County's distress picture only from records anyone can pull; its ZIPs average 17/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Vilas County market phase and pricing
Vilas County reads peak — home prices rose 4.6% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
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Questions and answers
Which part of Vilas County, WI scores highest for distress?
ZIP 54512 leads Vilas County at 17/100, recomputed monthly from public records.
Where is Vilas County in the housing cycle?
Vilas County currently sits in peak, with values up 4.6% year on year, based on FHFA price-index trajectory.
How is the Vilas County data sourced?
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 13 ZIP codes in Vilas County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Vilas County ZIP codes?
A county average hides the spread. Across the Vilas County ZIPs DLRadar ranks, scores run from 17/100 in 54512 down to 16/100 in 54538, against a Vilas County average of 17/100. Those 1 points separate the ZIPs worth working in Vilas County from the rest.
What do Vilas County home values and vacancy say about distressed supply?
The typical Vilas County home carries about $325,538 of value against a median household income near $68,489. Vacancy across Vilas County's tracked ZIPs runs 60% and the poverty rate is 8.2%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Vilas County's foreclosure and lien filings and its 42/100 lending headwind.
Related
Scores are computed, not advised: public records, fixed formulas, monthly refresh. Not investment, legal or financial advice.