ZIP 56231 Property Distress & Foreclosure Data

ZIP code 56231 in Swift County, Minnesota carries a composite property-distress score of 9/100 — a minimal reading on DLRadar's deterministic public-record index. The latent-versus-live split is 21/100 structural and 1/100 already moving. What sets it apart are the readings on construction/permit lag (50/100), structural risk (21/100), mortgage stress (4/100). mortgage stress (4/100) and institutional ownership (3/100) stay muted.

Prices here sit in a peak phase: values rose 4.8% over the trailing year (phase confidence 37/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

At $111,250, median income runs above typical U.S. levels. The vacancy rate is 17.0% — elevated. Around 40% of renters are cost-burdened. 386 residents call 56231 home, typically aged 42. The ZIP holds roughly 186 housing units. Around 20% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 23/100. 96% of housing is owner-occupied. The poverty rate is 2.8% — low. The typical home is worth about $216,700 (1.9× income, relatively affordable).

Taken together, 56231 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.