ZIP 56138 Property Distress & Foreclosure Data

In Rock County, Minnesota, ZIP 56138 scores 12 of 100 for composite distress, a minimal level on DLRadar's public-record index. Climate and flood risk are elevated too — FEMA disaster exposure (64/100). On the structural side it scores 24/100, with 4/100 of stress already active. Its standout signals are institutional ownership (35/100), construction/permit lag (26/100), structural risk (24/100). structural risk (24/100) and mortgage stress (13/100) stay muted.

Prices here sit in a neutral phase: values rose 3.5% over the trailing year, and 30% higher over three years (phase confidence 21/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

The poverty rate is 10.8%. Around 27% of renters are cost-burdened. The vacancy rate is 10.0%. Around 23% of adults hold a bachelor's degree or higher. At $68,889, median income runs near typical U.S. levels. The demographic-stress sub-score lands at 27/100. 74% of housing is owner-occupied. The typical home is worth about $207,300 (2.9× income, relatively affordable). 1,046 residents call 56138 home, typically aged 45. The ZIP holds roughly 406 housing units.

Overall, 56138 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.