ZIP 56310 Property Distress & Foreclosure Data

Composite property distress in 56310 (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. 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 0.6% year on year, 1.1% off the recent peak, and 18% higher over three years (phase confidence 34/100). Topping markets hide individual distress behind strong averages.

Median household income is $103,993, above the U.S. median near $78,000. About 5,361 people live here, median age 39. DLRadar's demographic-stress index for the area reads 22/100. Home values center near $300,500, an affordability ratio of 2.8× — accessible. 4.8% of residents fall below the poverty threshold. Owners hold 86% of homes, renters 14%. Educational attainment sits at 26% bachelor's-or-above. The vacancy rate is 10.5%. Around 12% of renters are cost-burdened. The ZIP holds roughly 2,210 housing units.

Net-net, 56310 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.