ZIP 56301 Property Distress & Foreclosure Data

Composite property distress in 56301 (Stearns County, Minnesota) lands at 20/100 — low on DLRadar's public-record scoring. The sharpest non-environmental signals are construction/permit lag (68/100), structural risk (44/100), mortgage stress (3/100). By contrast, mortgage stress (3/100) and institutional ownership (3/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (88/100). The latent-versus-live split is 44/100 structural and 1/100 already moving.

The market reads peak — home values rose 0.6% year on year, 1.1% off the recent peak, and 13% higher over three years (phase confidence 34/100). Topping markets hide individual distress behind strong averages.

Median household income is $69,725, near the U.S. median near $78,000. 20.0% of residents fall below the poverty threshold. The vacancy rate is 6.8%. Around 38% of renters are cost-burdened. Educational attainment sits at 33% bachelor's-or-above. The ZIP holds roughly 13,573 housing units. Home values center near $288,600, an affordability ratio of 3.8× — accessible. About 34,883 people live here, median age 27. DLRadar's demographic-stress index for the area reads 34/100. Owners hold 51% of homes, renters 49%.

Net-net, 56301 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.