Winnebago County, IA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Winnebago County, Iowa? DLRadar grades every Winnebago County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 22/100. Here is the 2026 Winnebago County breakdown.
- Winnebago County's most distressed ZIP is 50480 at 22/100.
- 11 ZIP codes tracked in Winnebago County, averaging 17/100 distress.
- Winnebago County reads peak — home values up 2.5% year over year.
- Vacancy runs 11.5% across Winnebago County's tracked ZIPs, with a 8.5% poverty rate.
- The typical Winnebago County home is worth about $124,682 against a ~$70,364 median income.
- Lending headwind in Winnebago County sits at 26/100 — a forward read on distressed supply.
All figures come from the monthly DLRadar distress index built on public records. Attribution to DLRadar (dlradar.com) appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 50480 | 22/100 |
| 2 | 50424 | 20/100 |
| 3 | 50453 | 19/100 |
| 4 | 50465 | 19/100 |
| 5 | 50473 | 19/100 |
| 6 | 50478 | 19/100 |
| 7 | 50436 | 18/100 |
| 8 | 50484 | 18/100 |
| 9 | 50450 | 15/100 |
| 10 | 50446 | 9/100 |
| 11 | 50459 | 9/100 |
Most distressed ZIP codes in Winnebago County (composite distress 0-100, 2026)
What is driving Winnebago County distress
The Winnebago County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 17/100 ZIP average. No proprietary or modelled inputs enter the score.
Winnebago County market phase and pricing
DLRadar places Winnebago County in peak; prices moved up 2.5% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Winnebago County
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What people ask
Which Winnebago County ZIP scores worst for distress?
ZIP 50480 leads Winnebago County at 22/100, recomputed monthly from public records.
What stage of the price cycle is Winnebago County at?
The market phase for Winnebago County is peak, prices rising 2.5% on the year — derived from the FHFA House Price Index path.
How is the Winnebago 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 11 ZIP codes in Winnebago County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Winnebago County ZIP codes?
A single county score papers over real variation. Across the Winnebago County ZIPs DLRadar ranks, scores run from 22/100 in 50480 down to 9/100 in 50459, against a Winnebago County average of 17/100. The 13-point range is the argument for ZIP-level search across Winnebago County.
What do Winnebago County home values and vacancy say about distressed supply?
The typical Winnebago County home carries about $124,682 of value against a median household income near $70,364. Vacancy across Winnebago County's tracked ZIPs runs 11.5% and the poverty rate is 8.5%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Winnebago County's foreclosure and tax-lien filings and its 26/100 lending headwind.
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Produced by fixed formulas over public records — research, not investment, legal or financial advice. The underlying index updates monthly.