ZIP 56307 Property Distress & Foreclosure Data

Stearns County, Minnesota's ZIP 56307 registers 20/100 composite distress, which DLRadar reads as low. The most distinctive pressure shows up in 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. On the structural side it scores 44/100, with 1/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (88/100).

The market reads peak — home values rose 0.7% year on year, 1.1% off the recent peak, and 19% higher over three years (phase confidence 34/100). Topping markets hide individual distress behind strong averages.

Median household income is $89,563, above the U.S. median near $78,000. Educational attainment sits at 21% bachelor's-or-above. About 5,227 people live here, median age 39. DLRadar's demographic-stress index for the area reads 24/100. Around 16% of renters are cost-burdened. Owners hold 79% of homes, renters 21%. 4.3% of residents fall below the poverty threshold. The ZIP holds roughly 2,104 housing units. The vacancy rate is 5.9%. Home values center near $281,400, an affordability ratio of 3.0× — accessible.

Net-net, 56307 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.