Winnebago County, WI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Winnebago County, Wisconsin? DLRadar grades every Winnebago County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 24/100. Here is the 2026 Winnebago County breakdown.
- Winnebago County's most distressed ZIP is 54901 at 24/100.
- 18 ZIP codes tracked in Winnebago County, averaging 21/100 distress.
- Winnebago County reads expansion — home values up 5.3% year over year.
- Vacancy runs 6.9% across Winnebago County's tracked ZIPs, with a 7.2% poverty rate.
- The typical Winnebago County home is worth about $241,953 against a ~$76,361 median income.
- Lending headwind in Winnebago County sits at 34/100 — 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 | 54901 | 24/100 |
| 2 | 54902 | 24/100 |
| 3 | 54904 | 24/100 |
| 4 | 54927 | 24/100 |
| 5 | 54947 | 24/100 |
| 6 | 54980 | 24/100 |
| 7 | 54985 | 24/100 |
| 8 | 54914 | 23/100 |
| 9 | 54956 | 23/100 |
| 10 | 54963 | 23/100 |
| 11 | 54986 | 23/100 |
| 12 | 54964 | 22/100 |
Most distressed ZIP codes in Winnebago County (composite distress 0-100, 2026)
What is driving Winnebago County distress
Winnebago County's placement in the national index rests on public filings — a 21/100 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.
Winnebago County market phase and pricing
The cycle in Winnebago County is expansion, with values up 5.3% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Winnebago County
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Questions and answers
Which ZIP code leads Winnebago County on distress?
ZIP 54901 leads Winnebago County at 24/100, recomputed monthly from public records.
What market phase is Winnebago County in?
The market phase for Winnebago County is expansion, prices rising 5.3% on the year — derived from the FHFA House Price Index path.
What is this Winnebago County analysis built from?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 18 Winnebago County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Winnebago County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Winnebago County ZIPs DLRadar ranks, scores run from 24/100 in 54901 down to 22/100 in 54964, against a Winnebago County average of 21/100. A spread of 2 points means Winnebago County has to be worked ZIP by ZIP.
What do Winnebago County home values and vacancy say about distressed supply?
The typical Winnebago County home carries about $241,953 of value against a median household income near $76,361. Vacancy across Winnebago County's tracked ZIPs runs 6.9% and the poverty rate is 7.2%. 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 34/100 lending headwind.
Related
DLRadar scores property distress from public records by deterministic formulas — not investment, legal, or financial advice. Figures refresh monthly from the live index.