ZIP 56145 Property Distress & Foreclosure Data

Cottonwood County, Minnesota's ZIP 56145 registers 27/100 composite distress, which DLRadar reads as low. It additionally carries heavy environmental risk: flood (NFIP) exposure (81/100), FEMA disaster exposure (64/100). On the structural side it scores 63/100, with 6/100 of stress already active. The most distinctive pressure shows up in construction/permit lag (100/100), structural risk (63/100), institutional ownership (54/100). By contrast, mortgage stress (21/100) register low.

The market reads peak — home values rose 4.8% year on year (phase confidence 37/100). Topping markets hide individual distress behind strong averages.

Median household income is $51,607, below the U.S. median near $78,000. Owners hold 91% of homes, renters 9%. Educational attainment sits at 10% bachelor's-or-above. The ZIP holds roughly 224 housing units. About 490 people live here, median age 36. DLRadar's demographic-stress index for the area reads 25/100. 29.4% of residents fall below the poverty threshold. The vacancy rate is 14.2% — elevated. Around 14% of renters are cost-burdened. Home values center near $104,200, an affordability ratio of 1.8× — accessible.

Net-net, 56145 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.