Minnesota Foreclosures, Tax Liens & Distressed Properties

Every Minnesota county and ZIP carries a DLRadar distress score built from county and parcel records. By market phase, the county split is 82 peak, 4 neutral, 1 expansion. Most Minnesota counties sit in a peak phase, with home prices up 3.1% year over year. Statewide, 881 ZIPs in 87 counties are scored (avg 18/100).

Distress concentrates in Sibley County, Pipestone County, Nicollet County, Cook County, Meeker County; open any for county- and ZIP-level detail.

The highest-scoring Minnesota ZIPs are 55909 (32/100), 55918 (32/100), 55926 (32/100), 55933 (32/100), 55936 (32/100) — open any for the parcel read.

Here is the county-by-county distress and phase picture for Minnesota.

Aitkin County is in its peak phase, prices up 3.4%, headwind 75/100. Anoka County reads peak — appreciation near 2.4%, headwind 62/100. Becker County reads peak — prices up 2.7%, lender pressure 47/100. Beltrami County is in its peak phase, homes +2.7% YoY, headwind 48/100. DLRadar reads Benton County as peak — prices up 3.2%, headwind 52/100. Big Stone County is in its peak phase, up 3.4% on the year, bank stress 71/100. Blue Earth County is in its peak phase, up 0.7% on the year, down 1.2% from its high, lender pressure 71/100.

Brown County is peak (prices up 2.7%, lender pressure 67/100). Carlton County is peak (appreciation near 3.4%, lender pressure 41/100). Carver County is peak (homes +2.4% YoY, lender pressure 53/100). Cass County reads peak — appreciation near 2.7%. Chippewa County: peak, up 3.4% on the year, a 63/100 lender reading. Chisago County is peak (values rising 2.4%, bank stress 64/100). Clay County: peak, prices up 4.1%, bank stress 71/100.

Clearwater County is peak (appreciation near 3.4%, headwind 54/100). DLRadar reads Cook County as peak — values rising 3.4%, headwind 81/100. Cottonwood County reads peak — homes +3.4% YoY, lender pressure 58/100. DLRadar reads Crow Wing County as peak — values rising 2.7%, bank stress 46/100. DLRadar reads Dakota County as peak — prices up 2.4%, bank stress 48/100. Dodge County is neutral (values rising 3.0%, a 56/100 lender reading). Douglas County is peak (prices up 2.7%, a 63/100 lender reading).

DLRadar reads Faribault County as peak — values rising 3.4%, a 38/100 lender reading. Fillmore County: neutral, up 3.0% on the year, lender pressure 70/100. Freeborn County reads peak — homes +2.7% YoY, lender pressure 47/100. In Goodhue County, peak: values rising 2.7%, headwind 63/100. Grant County is peak (homes +3.4% YoY, bank stress 40/100). Hennepin County sits in peak, appreciation near 2.4%, a 58/100 lender reading. Houston County reads peak — prices up 5.0%, a 51/100 lender reading.

Hubbard County — peak, appreciation near 3.4%, a 41/100 lender reading. Isanti County is in its peak phase, up 2.4% on the year, lender pressure 44/100. In Itasca County, peak: up 2.7% on the year, lender pressure 75/100. In Jackson County, peak: appreciation near 3.4%, bank stress 25/100. Kanabec County: peak, prices up 3.4%, bank stress 65/100. DLRadar reads Kandiyohi County as peak — appreciation near 2.7%, lender pressure 70/100. Kittson County reads peak — homes +3.4% YoY, lender pressure 55/100.

Koochiching County is in its peak phase, homes +3.4% YoY, bank stress 48/100. DLRadar reads Lac Qui Parle County as peak — homes +3.4% YoY, a 70/100 lender reading. DLRadar reads Lake County as peak — up 3.4% on the year, a 48/100 lender reading. Lake Of The Woods County: peak, up 3.4% on the year, lender pressure 54/100. In Le Sueur County, peak: up 2.4% on the year, headwind 67/100. Lincoln County: peak, up 3.4% on the year. In Lyon County, peak: prices up 2.7%, bank stress 59/100.

DLRadar reads Mahnomen County as peak — homes +3.4% YoY, bank stress 42/100. Marshall County reads peak — appreciation near 3.4%, lender pressure 43/100. In Martin County, peak: values rising 2.7%, lender pressure 68/100. Mcleod County — peak, homes +2.7% YoY, a 72/100 lender reading. Meeker County reads peak — appreciation near 3.4%, headwind 78/100. Mille Lacs County sits in peak, prices up 2.4%, bank stress 55/100. Morrison County reads peak — appreciation near 3.4%, a 52/100 lender reading.

Mower County: peak, homes +2.7% YoY, lender pressure 60/100.

Minnesota opportunity phases: 61 weak, 21 early_signal, 4 watchlist, 1 peak_opportunity; Minnesota average index 26.0. Best-ranked Minnesota counties: Lake #541 (33.2), vacancy; Cass #717 (32.3), vacancy; Itasca #869 (31.7), vacancy in Minnesota; Todd #972 (31.3), vacancy; Cook #1,048 (31.0), vacancy; Wadena #1,104 (30.8), vacancy.

Minnesota mortgages ninety-plus days late: 0.6%; Minnesota thirty-to-eighty-nine days late 1.5% (December 2025); 12 Minnesota counties sit in the CFPB sample; highest Minnesota county readings: Sherburne 0.8%, St. Louis 0.7%, Stearns 0.7%, Dakota 0.7%, Hennepin 0.6%.

Minnesota county unemployment averages 5.0% across 87 counties; Minnesota permitted 22,158 housing units in twelve months (9,005 multifamily); 237,075 of 2,545,030 Minnesota housing units are vacant; 630,433 Minnesota renter households, 38.6% spending 30%+ of income on rent.

Minnesota ZIP price-cycle phases: 1,236 peak, 63 expansion, 43 contraction, 39 neutral, 1 recovery.