Winnebago County, WI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Winnebago County, WI distress report, 2026: 18 ZIPs scored in Winnebago, WI, Winnebago, WI average 22/100; the top Winnebago, WI ZIP is 54901 at 25/100; Winnebago, WI market phase expansion, Winnebago, WI prices +5.3% year over year.
- Winnebago, WI ranks #2,999 nationally (opportunity index); Winnebago, WI #52 in Wisconsin; Winnebago, WI index 23.2.
- Winnebago, WI ninety-day mortgage delinquency 0.4% in December 2025; Winnebago, WI twelve-month change 0.0%.
- Winnebago, WI ZIP phases: 13 expansion, 5 peak.
- Winnebago, WI residential listings tracked: 6 across 11 ZIPs; Winnebago, WI candidate listings 4.
- Winnebago, WI HUD assisted properties: 9 with 327 units.
- Winnebago, WI lenders on watch: 8; largest Winnebago, WI footprint Associated Bank Na (5 branches).
- Winnebago, WI most distressed ZIP: 54901 at 25/100.
Winnebago, WI figures: DLRadar distress index; Winnebago, WI inputs: CFPB, FHFA, HUD, FDIC; Winnebago, WI rebuilt as sources refresh.
| Rank | Winnebago, WI ZIP | Score |
|---|---|---|
| 1 | 54901 | 25/100 |
| 2 | 54902 | 25/100 |
| 3 | 54904 | 25/100 |
| 4 | 54914 | 25/100 |
| 5 | 54927 | 25/100 |
| 6 | 54947 | 25/100 |
| 7 | 54956 | 25/100 |
| 8 | 54963 | 25/100 |
| 9 | 54980 | 25/100 |
| 10 | 54985 | 25/100 |
| 11 | 54986 | 25/100 |
| 12 | 54964 | 23/100 |
Most distressed Winnebago, WI ZIPs (0-100, 2026)
Mortgage delinquency in Winnebago, WI
0.4% of Winnebago, WI mortgages were ninety-plus days late (Winnebago, WI, December 2025); Winnebago, WI thirty-to-eighty-nine days late: 1.6%; Winnebago, WI twelve-month change 0.0%; Winnebago, WI peak since 2008: 2.9% (August 2010); Wisconsin overall 0.5%. Winnebago, WI ninety-day series: Dec 24 0.4, Jan 25 0.2, Feb 25 0.1 (Winnebago, WI), Mar 25 0.3, Apr 25 0.3, May 25 0.3 (Winnebago, WI), Jun 25 0.2, Jul 25 0.4, Aug 25 0.3 (Winnebago, WI), Sep 25 0.5, Oct 25 0.7, Nov 25 0.4 (Winnebago, WI), Dec 25 0.4.
Opportunity index: Winnebago, WI
Winnebago, WI index 23.2, Winnebago, WI phase weak; Winnebago, WI primary driver bank institutional, Winnebago, WI second driver vacancy. Winnebago, WI components: property stress 14.2, foreclosure pressure 11.2, listing discounts 25.8, bank stress 56.6, insurance 0.0; Winnebago, WI pulse 24.1; Winnebago, WI capital opportunity 21.9; Winnebago, WI seven-day change -0.1%.
ZIP market phases inside Winnebago, WI
18 Winnebago, WI ZIPs carry a price-cycle phase; Winnebago, WI ZIPs by phase (Winnebago, WI), deepest drawdown first: expansion, +5.3% YoY (Winnebago, WI): 54901, 54902, 54904, 54927, Winnebago, WI 54947, 54956, 54963, 54980; peak, +4.9% YoY (Winnebago, WI): 54914, 54915; peak, +4.7% YoY (Winnebago, WI): 54923; peak, +4.8% YoY (Winnebago, WI): 54940; peak, +5.0% YoY (Winnebago, WI): 54952; expansion, +5.4% YoY (Winnebago, WI): 54964, 54971; expansion, +5.7% YoY (Winnebago, WI): 54979.
Residential listings by Winnebago, WI ZIP
Winnebago, WI ZIPs with the most tracked Winnebago, WI residential listings: 54901 3 listings, 1 candidates, bank pressure 58; 54947 1 listings, 1 candidates, bank pressure 58; 54956 1 listings, 1 candidates, bank pressure 59; 54963 1 listings, 1 candidates, bank pressure 56 (Winnebago, WI); 54902 0 listings, 0 candidates, bank pressure 58; 54904 0 listings, 0 candidates, bank pressure 59; 54927 0 listings, 0 candidates, bank pressure 58; 54964 0 listings, 0 candidates, bank pressure 59. Winnebago, WI totals: 6 listings; Winnebago, WI candidates 4; active ZIPs 4.
HUD assisted housing in Winnebago, WI
9 assisted properties with 327 units sit in Winnebago, WI; largest Winnebago, WI properties: Simeanna Iii (Oshkosh) 78 units, 77 assisted; Cumberland Court Apts (Oshkosh) 72 units, 72 assisted; Craftsman Village (Menasha) 64 units in Winnebago, WI; Assisi Homes Of Neenah (Neenah) 38 units, 38 assisted; Vna Apartments (Neenah) 32 units; Jomar Of Zion (Oshkosh) 16 units, 15 assisted.
Lenders with branches in Winnebago, WI
Winnebago, WI lenders by branch count: Associated Bank Na (Winnebago, WI): stress 68, 5 branches low in Winnebago, WI; Fortifi Bank (Winnebago, WI): stress 55, 3 branches low in Winnebago, WI; Nicolet National Bank (Winnebago, WI): stress 50, 3 branches low in Winnebago, WI; Premier Community Bank (Winnebago, WI): stress 87, 1 branch low in Winnebago, WI; Fox Valley Savings Bank (Winnebago, WI): stress 73, 1 branch low in Winnebago, WI; Bristol Morgan Bank (Winnebago, WI): stress 71, 1 branch low in Winnebago, WI; Horicon Bank (Winnebago, WI): stress 61, 1 branch low in Winnebago, WI; North Shore Bank (Winnebago, WI): stress 51, 1 branch low in Winnebago, WI.
Vacancy and permits, Winnebago, WI
4,651 of 77,318 Winnebago, WI housing units are vacant; Winnebago, WI permits, twelve months: 730 multifamily units in Winnebago, WI, 300 one-to-four unit units.
Work Winnebago, WI at the parcel level
Every Winnebago, WI parcel carries owner and address; every Winnebago, WI parcel carries APN; Winnebago, WI distress scores sit on the Winnebago, WI live board.
Winnebago, WI figures refresh with each source.
Winnebago, WI questions
Most distressed ZIP code in Winnebago County, WI?
ZIP 54901 leads Winnebago, WI at 25/100; next in Winnebago, WI: 54902 at 25/100; the Winnebago, WI average is 22/100.
Where does Winnebago County, WI rank for investment opportunity?
Winnebago, WI is #2,999 among all ranked counties, #52 in Wisconsin; the Winnebago, WI driver is bank institutional; Winnebago, WI moved up 112 places.
How many mortgages are delinquent in Winnebago County, WI?
0.4% of Winnebago, WI mortgages were ninety-plus days late in December 2025; the Winnebago, WI peak since 2008 was 2.9%.
Which banks lend in Winnebago County, WI?
8 watched lenders hold Winnebago, WI branches; the largest Winnebago, WI footprints are Associated Bank Na (5), Fortifi Bank (3), Nicolet National Bank (3).
More on Winnebago, WI
Winnebago County, WI distress report: public-record figures for Winnebago, WI; not legal advice for Winnebago, WI; not tax or investment advice; verify every Winnebago, WI record before acting.