ZIP 56303 Property Distress & Foreclosure Data

ZIP code 56303 in Stearns County, Minnesota carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (68/100), structural risk (44/100), mortgage stress (3/100). mortgage stress (3/100) and institutional ownership (3/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (88/100). On the structural side it scores 44/100, with 1/100 of stress already active.

Prices here sit in a peak phase: values rose 0.6% over the trailing year, 1.1% off the recent peak, and 14% higher over three years (phase confidence 34/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The poverty rate is 13.2%. 62% of housing is owner-occupied. At $66,789, median income runs below typical U.S. levels. Around 29% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 28/100. The vacancy rate is 5.2%. 26,031 residents call 56303 home, typically aged 37. The typical home is worth about $205,200 (3.0× income, relatively affordable). Around 34% of renters are cost-burdened. The ZIP holds roughly 12,035 housing units.

Overall, 56303 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.