ZIP 56514 Property Distress & Foreclosure Data

Clay County, Minnesota's ZIP 56514 registers 11/100 composite distress, which DLRadar reads as minimal. The latent-versus-live split is 24/100 structural and 1/100 already moving. The most distinctive pressure shows up in construction/permit lag (30/100), structural risk (24/100), institutional ownership (3/100). By contrast, institutional ownership (3/100) and mortgage stress (2/100) register low.

The market reads peak — home values rose 2.8% year on year, and 18% higher over three years (phase confidence 25/100). Topping markets hide individual distress behind strong averages.

Median household income is $88,690, above the U.S. median near $78,000. Educational attainment sits at 32% bachelor's-or-above. The ZIP holds roughly 1,533 housing units. DLRadar's demographic-stress index for the area reads 23/100. Home values center near $264,800, an affordability ratio of 2.6× — accessible. About 4,055 people live here, median age 35. Around 29% of renters are cost-burdened. Owners hold 85% of homes, renters 15%. 5.6% of residents fall below the poverty threshold. The vacancy rate is 3.3%.

Overall 56514 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.