Stearns County, MN: Foreclosures, Tax Liens & Distressed Properties

Stearns County, MN, Minnesota: 33 ZIP codes scored, Stearns County, MN averaging 21/100 (low, Stearns, MN), from 13 to 23. Stearns County, MN is in its peak phase (Stearns, MN confidence 22/100): Stearns, MN home prices up 3.2% (Stearns, MN) over twelve months. Stearns County, MN lender headwind: 55/100.

Highest-scoring Stearns County, MN ZIPs: 56301 (23/100), 56303 (23/100), 56307 (23/100), 56310 (23/100), 56320 (23/100), 56321 (23/100). Also scored in Stearns County, MN: 56325, 56331, 56335, 56352, 56356, 56368, 56369, 56371, 56374, 56375.

Across Stearns County, MN's scored ZIPs: median home value $264,088, household income $78,959, 11.3% vacancy, 10.0% poverty, 81% owner-occupied, median age 39.1.

Stearns County, MN insurance distress 5/100 (#2,458 in the US); FEMA hazard 0/100 for Stearns, MN; 1 Stearns, MN NFIP flood claims; Stearns, MN construction distress 81/100.

29 banks with 48 branches lend in Stearns County, MN; Stearns, MN weighted bank stress 62/100, highest 78/100 in Stearns, MN.

Stearns County, MN unemployment 4.8% (Stearns, MN -0.8 pts, six months); 500 new housing units permitted in Stearns County, MN over twelve months, Stearns, MN down 33% from 742; Stearns, MN home prices +8.4% a year (Stearns, MN) over three years.

66,625 housing units in Stearns County, MN; 19,613 Stearns, MN renter households; 44% of Stearns, MN renters spend 30%+ of income on rent, 24% (Stearns, MN) half or more.

Stearns County, MN ranks #2,707 nationally on the opportunity index (Stearns, MN, among all ranked counties); Stearns, MN scores 24.9/100 and Stearns, MN sits #55 inside Minnesota. Stearns, MN is in the weak opportunity phase; Stearns, MN's primary driver is construction, Stearns, MN second driver bank institutional; Stearns, MN moved down 419 places. 19 short-sale listings across Stearns, MN; 94 days on market observed in Stearns, MN; 7.6% vacancy over 33 Stearns, MN ZIPs.

0.7% of Stearns County, MN mortgages were ninety-plus days late in December 2025; Stearns, MN's thirty-to-eighty-nine-day share was 1.6% (CFPB county sample). Stearns, MN's ninety-day rate is up 0.1 points on twelve months earlier; the Stearns, MN peak since 2008 was 2.6% in May 2012; Minnesota overall reads 0.6%.

Stearns County, MN has 21 watched banks; 21 Stearns, MN banks sit in an elevated band. Stearns, MN footprints: Liberty Bank Minnesota (4 branches, stress 72) in Stearns, MN; Sentry Bank (4 branches, stress 69) in Stearns, MN; Freeport State Bank (3 branches, stress 68) in Stearns, MN.

HUD lists 10 assisted multifamily properties in Stearns County, MN with 529 units; 265 Stearns, MN units are assisted, 3 Stearns, MN properties under project-based Section 8.

5,222 of the 66,625 housing units in Stearns, MN sit vacant. Stearns County, MN permitted 141 multifamily units in twelve months; Stearns, MN's one-to-four unit structures added 359 units in Stearns County, MN.