Winona County, MN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Winona County, MN distress report, 2026: 14 ZIPs scored in Winona, MN, Winona, MN average 14/100; the top Winona, MN ZIP is 55962 at 23/100; Winona, MN market phase peak, Winona, MN prices +2.7% year over year.
- Winona, MN ranks #3,209 nationally (opportunity index); Winona, MN #84 in Minnesota; Winona, MN index 19.2.
- Winona, MN: no CFPB county sample; Winona, MN non-metro area reading 1.0%.
- Winona, MN ZIP phases: 11 peak, 3 neutral.
- Winona, MN residential listings tracked: 4 across 8 ZIPs; Winona, MN candidate listings 2.
- Winona, MN HUD assisted properties: 6 with 277 units.
- Winona, MN lenders on watch: 5; largest Winona, MN footprint Merchants Bank National Assn (4 branches).
- Winona, MN most distressed ZIP: 55962 at 23/100.
Winona, MN figures: DLRadar distress index; Winona, MN inputs: CFPB, FHFA, HUD, FDIC; Winona, MN rebuilt as sources refresh.
| Rank | Winona, MN ZIP | Score |
|---|---|---|
| 1 | 55962 | 23/100 |
| 2 | 55923 | 18/100 |
| 3 | 55964 | 17/100 |
| 4 | 55971 | 16/100 |
| 5 | 55943 | 14/100 |
| 6 | 55972 | 13/100 |
| 7 | 55910 | 12/100 |
| 8 | 55947 | 12/100 |
| 9 | 55979 | 12/100 |
| 10 | 55925 | 11/100 |
| 11 | 55952 | 11/100 |
| 12 | 55959 | 11/100 |
Most distressed Winona, MN ZIPs (0-100, 2026)
Mortgage delinquency around Winona, MN
No CFPB county sample covers Winona, MN; the non-metro area reading for Winona, MN: 1.0% ninety-plus; Winona, MN area thirty-to-eighty-nine 2.2% (December 2025, Winona, MN); Minnesota overall 0.6%.
Opportunity index: Winona, MN
Winona, MN index 19.2, Winona, MN phase weak; Winona, MN primary driver bank institutional, Winona, MN second driver vacancy. Winona, MN components: property stress 8.6, foreclosure pressure 8.6, listing discounts 14.1, bank stress 58.5, insurance 0.0; Winona, MN pulse 21.6; Winona, MN capital opportunity 15.7.
ZIP market phases inside Winona, MN
14 Winona, MN ZIPs carry a price-cycle phase; Winona, MN ZIPs by phase (Winona, MN), deepest drawdown first: peak, +2.7% YoY (Winona, MN): 55910, 55925, 55952, 55959, Winona, MN 55969, 55979, 55987; neutral, +3.0% YoY (Winona, MN): 55923; peak, +4.5% YoY (Winona, MN): 55943; peak, +4.2% YoY (Winona, MN): 55947; neutral, +2.9% YoY (Winona, MN): 55962, 55964; peak, +3.2% YoY (Winona, MN): 55971; peak, +2.8% YoY (Winona, MN): 55972.
Residential listings by Winona, MN ZIP
Winona, MN ZIPs with the most tracked Winona, MN residential listings: 55987 3 listings, 2 candidates, bank pressure 62; 55925 1 listings, 0 candidates, bank pressure 62; 55910 0 listings, 0 candidates, bank pressure 63; 55952 0 listings, 0 candidates, bank pressure 62 (Winona, MN); 55959 0 listings, 0 candidates, bank pressure 62; 55969 0 listings, 0 candidates, bank pressure 62; 55972 0 listings, 0 candidates, bank pressure 65; 55979 0 listings, 0 candidates, bank pressure 65. Winona, MN totals: 4 listings; Winona, MN candidates 2; active ZIPs 2.
HUD assisted housing in Winona, MN
6 assisted properties with 277 units sit in Winona, MN; largest Winona, MN properties: Winhaven Court Apartments (Winona) 118 units, 118 assisted; Winona Middle School Rnovation (Winona) 62 units; Winona Arms (Winona) 49 units, 49 assisted in Winona, MN; Willow Brook Cooperative Of Winona (Winona) 38 units; Hco Investments, Inc. (Lewiston) 10 units, 8 assisted; Cedar Brook Cooperative (Winona) 0 units.
Lenders with branches in Winona, MN
Winona, MN lenders by branch count: Merchants Bank National Assn (Winona, MN): stress 59, 4 branches moderate in Winona, MN; Wnb Financial N A (Winona, MN): stress 69, 3 branches moderate in Winona, MN; Minnesota 1st Credit&Svg Inc (Winona, MN): stress 70, 1 branch moderate in Winona, MN; Peoples Stb Of Plainview (Winona, MN): stress 67, 1 branch low in Winona, MN; Minnwest Bank (Winona, MN): stress 62, 1 branch low in Winona, MN.
Vacancy and permits, Winona, MN
1,602 of 21,855 Winona, MN housing units are vacant; Winona, MN permits, twelve months: 17 multifamily units in Winona, MN, 56 one-to-four unit units.
Work Winona, MN at the parcel level
Every Winona, MN parcel carries owner and address; every Winona, MN parcel carries APN; Winona, MN distress scores sit on the Winona, MN live board.
Winona, MN figures refresh with each source.
Winona, MN questions
Most distressed ZIP code in Winona County, MN?
ZIP 55962 leads Winona, MN at 23/100; next in Winona, MN: 55923 at 18/100; the Winona, MN average is 14/100.
Where does Winona County, MN rank for investment opportunity?
Winona, MN is #3,209 among all ranked counties, #84 in Minnesota; the Winona, MN driver is bank institutional; Winona, MN moved down 32 places.
How many mortgages are delinquent in Winona County, MN?
Winona, MN takes the non-metro area reading of 1.0% for December 2025; no CFPB county sample covers Winona, MN.
Which banks lend in Winona County, MN?
5 watched lenders hold Winona, MN branches; the largest Winona, MN footprints are Merchants Bank National Assn (4), Wnb Financial N A (3), Minnesota 1st Credit&Svg Inc (1).
More on Winona, MN
Winona County, MN distress report: public-record figures for Winona, MN; not legal advice for Winona, MN; not tax or investment advice; verify every Winona, MN record before acting.