Winona County, MN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Winona County, Minnesota? DLRadar grades every Winona County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 23/100. Here is the 2026 Winona County breakdown.
- Winona County's most distressed ZIP is 55962 at 23/100.
- 14 ZIP codes tracked in Winona County, averaging 14/100 distress.
- Winona County reads peak — home values up 2.7% year over year.
- Vacancy runs 8% across Winona County's tracked ZIPs, with a 9% poverty rate.
- The typical Winona County home is worth about $263,421 against a ~$73,928 median income.
- Lending headwind in Winona County sits at 60/100 — a forward read on distressed supply.
Source: the DLRadar property-distress index, rebuilt monthly from public records. Cite it freely with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 55962 | 23/100 |
| 2 | 55923 | 18/100 |
| 3 | 55964 | 17/100 |
| 4 | 55971 | 17/100 |
| 5 | 55943 | 15/100 |
| 6 | 55947 | 14/100 |
| 7 | 55972 | 13/100 |
| 8 | 55910 | 12/100 |
| 9 | 55979 | 12/100 |
| 10 | 55925 | 11/100 |
| 11 | 55952 | 11/100 |
| 12 | 55959 | 11/100 |
Most distressed ZIP codes in Winona County (composite distress 0-100, 2026)
What is driving Winona County distress
Winona County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 14/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Winona County market phase and pricing
Phase for Winona County: peak (+2.7% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Winona County
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Frequently asked
Which Winona County ZIP scores worst for distress?
ZIP 55962 leads Winona County at 23/100, recomputed monthly from public records.
Is Winona County expanding or contracting?
Winona County currently sits in peak, with values up 2.7% year on year, based on FHFA price-index trajectory.
What is this Winona County analysis built from?
Every Winona County figure traces to a public source — FHFA House Price Index for the peak trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 14 Winona County ZIP codes that it runs on every other U.S. county, so Winona County's numbers are directly comparable to any other market.
How much do distress scores vary between Winona County ZIP codes?
The county figure is a blend, not a description. Across the Winona County ZIPs DLRadar ranks, scores run from 23/100 in 55962 down to 11/100 in 55959, against a Winona County average of 14/100. Because the gap runs to 12 points, Winona County rewards ZIP-level precision.
What do Winona County home values and vacancy say about distressed supply?
The typical Winona County home carries about $263,421 of value against a median household income near $73,928. Vacancy across Winona County's tracked ZIPs runs 8% and the poverty rate is 9%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Winona County's filings and its 60/100 lending headwind.
Related
These scores come from public filings run through fixed formulas. Nothing here is investment, legal or financial advice; the index refreshes monthly.