ZIP 56101 Property Distress & Foreclosure Data

In Cottonwood County, Minnesota, ZIP 56101 scores 21 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are institutional ownership (53/100), structural risk (47/100), construction/permit lag (36/100). On the quiet end sit construction/permit lag (36/100) and mortgage stress (21/100). On the structural side it scores 47/100, with 6/100 of stress already active. Environmental exposure also runs high (flood (NFIP) exposure (82/100), FEMA disaster exposure (64/100)).

The peak-phase market in 56101 posted values that rose 4.8% over the year, and 3% higher over three years (phase confidence 37/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The tenure split is 74% owner-occupied to 26% rented. The ZIP holds roughly 2,880 housing units. Around 19% of renters are cost-burdened. A median home runs $183,700 here, or 2.4 times local income. Households earn a median $71,354 — near the roughly $78,000 national figure. On demographic stress specifically, 56101 scores 24/100. About 24% have a four-year degree. The vacancy rate is 11.3% — elevated. Roughly 11.6% live below the poverty line. Population is roughly 6,081 with a median age of 41.

On balance 56101 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.