ZIP 56560 Property Distress & Foreclosure Data

ZIP code 56560 in Clay County, Minnesota carries a composite property-distress score of 14/100 — a minimal reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (climate & FEMA risk (76/100)). What sets it apart are the readings on structural risk (30/100), construction/permit lag (27/100), institutional ownership (3/100). On the quiet end sit institutional ownership (3/100) and mortgage stress (2/100). Structural risk reads 30/100 against active distress of 1/100.

The peak-phase market in 56560 posted values that rose 2.5% over the year, and 15% higher over three years, at 25/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Vacancy runs 4.7%. Rent burden reaches 46% of tenant households. Population is roughly 44,156 with a median age of 33. Roughly 17.2% live below the poverty line, elevated and often tied to deferred-maintenance inventory. There are about 19,656 housing units across 56560. Households earn a median $71,114 — near the roughly $78,000 national figure. The tenure split is 60% owner-occupied to 40% rented. About 42% have a four-year degree. A median home runs $253,200 here, or 3.5 times local income. On demographic stress specifically, 56560 scores 32/100.

On balance 56560 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.