Real Estate IntelGet the free brief

Minnesota foreclosures and housing market

How foreclosure works in Minnesota, which counties lean to buyers or sellers, and how many homes are for sale right now.

How's the market in Minnesota?

A balanced market.

Listings spent about 53 days on the market, and 21% had a price cut in October 2026.

Market figures: Realtor.com® Economic Research, October 2026. Free weekly email. Unsubscribe anytime.

Distressed properties in Minnesota

Pre-foreclosures, auctions, bank-owned and HUD homes from county notices, with the street area instead of the house number.

Representative photo

We are not tracking properties in Minnesota yet

Our property list covers a handful of counties so far. Leave your email for the free weekly brief, and we will note that you want property alerts for Minnesota.

The closest place we track is Utah, with 128 properties.

The Minnesota market in October 2026

Our score compares how many listings went under contract with how many were for sale, ranked against every US county. Low scores lean to buyers, high scores to sellers.

Minnesota market score

45Balanced market
Buyer's marketUS: 61Seller's market
Homes for sale
19,438
US: 1,179,101
Typical days on market
53
US: 66
Listings with a price cut
21%
US: 21%
Homes for sale vs pre-pandemic
−6%
US: −7%
October 2026 vs the October average for 2017 to 2019.

Market score by county

Check any county
Polk County: 73 out of 100Red Lake County: 19 out of 100Meeker County: 16 out of 100Isanti County: 52 out of 100Rock County: 19 out of 100Carver County: 73 out of 100Kandiyohi County: 27 out of 100Cottonwood County: 8 out of 100Freeborn County: 33 out of 100Benton County: 27 out of 100Douglas County: 46 out of 100Murray County: 15 out of 100Pipestone County: 1 out of 100Carlton County: 78 out of 100Aitkin County: 10 out of 100Rice County: 30 out of 100Watonwan County: 41 out of 100Otter Tail County: 27 out of 100Pennington County: 46 out of 100Mahnomen County: 41 out of 100Roseau County: 50 out of 100Martin County: 65 out of 100Beltrami County: 40 out of 100St. Louis County: 65 out of 100Dodge County: 66 out of 100Le Sueur County: 51 out of 100Steele County: 43 out of 100Nobles County: 13 out of 100Sibley County: 57 out of 100Olmsted County: 49 out of 100Lyon County: 48 out of 100Renville County: 9 out of 100Todd County: 41 out of 100Cook County: 15 out of 100Lincoln County: 15 out of 100Redwood County: 20 out of 100Lake County: 36 out of 100Brown County: 77 out of 100Kittson County: 2 out of 100Lac qui Parle County: 9 out of 100Waseca County: 65 out of 100Houston County: 66 out of 100Jackson County: 23 out of 100Washington County: 57 out of 100Chisago County: 49 out of 100Faribault County: 85 out of 100Blue Earth County: 58 out of 100Nicollet County: 63 out of 100Stevens County: 94 out of 100Mille Lacs County: 37 out of 100Mower County: 51 out of 100Grant County: 63 out of 100Hubbard County: 21 out of 100Big Stone County: 13 out of 100Wadena County: 36 out of 100Chippewa County: 20 out of 100Wabasha County: 37 out of 100Koochiching County: 12 out of 100Norman County: 55 out of 100Becker County: 8 out of 100Goodhue County: 38 out of 100Ramsey County: 41 out of 100Yellow Medicine County: 66 out of 100Fillmore County: 60 out of 100Wright County: 63 out of 100Wilkin County: 37 out of 100Swift County: 7 out of 100Marshall County: 79 out of 100Pine County: 40 out of 100Scott County: 51 out of 100Clearwater County: 30 out of 100Crow Wing County: 32 out of 100Dakota County: 49 out of 100Itasca County: 15 out of 100Cass County: 25 out of 100Kanabec County: 38 out of 100Sherburne County: 37 out of 100Winona County: 63 out of 100Pope County: 27 out of 100McLeod County: 46 out of 100Lake of the Woods County: 36 out of 100Morrison County: 37 out of 100Clay County: 16 out of 100Hennepin County: 44 out of 100Anoka County: 56 out of 100Traverse County: 52 out of 100Stearns County: 40 out of 100
Leans to buyersLeans to sellers

Gray counties had too few listings to score. Tap a county for its full answer.

Source: Realtor.com® Economic Research, October 2026 county data. County days on market are medians. State and US figures weight each county by its homes for sale. Price-cut share is the share of listings with a price reduction.

Non-judicial

How foreclosure works in Minnesota

Most Minnesota foreclosures are non-judicial.

Main steps and notices
  • The lender mails a notice of default with 30 days to cure.
  • The sale is published for six weeks and served on the occupant at least four weeks before.
  • A homestead owner can postpone the sale in exchange for a shorter redemption period, by acting at least 15 days before the sale.
Catching up before the sale
The borrower can reinstate any time before the sale.
After the sale
The borrower generally has six months after the sale to redeem. It can be 12 months in some cases, and five weeks for some abandoned property.
Before any of this starts
Under federal rules, a mortgage servicer generally can't make the first notice or filing for foreclosure until the borrower is more than 120 days behind.
Governing law
Minnesota Statutes § 47.20; § 580.01 et seq.; § 582.032; § 582.30

Sources

General information, not legal advice.

Laws change and each case differs. Anyone facing foreclosure should talk with a local attorney or a HUD-approved housing counselor.

Minnesota questions

Is foreclosure in Minnesota judicial or non-judicial?

Most Minnesota foreclosures are non-judicial.

Can a homeowner get the home back after a foreclosure sale in Minnesota?

The borrower generally has six months after the sale to redeem. It can be 12 months in some cases, and five weeks for some abandoned property.

Can a borrower in Minnesota catch up on the loan before the sale?

The borrower can reinstate any time before the sale.

Is Minnesota a buyer's or seller's market right now?

A balanced market. Minnesota scores 45 out of 100 on our market scale, where low scores lean to buyers. Listings spent about 53 days on the market, and 21% had a price cut in October 2026. Source: Realtor.com® Economic Research.

How far behind does a borrower have to be before foreclosure starts?

Under federal rules, a mortgage servicer generally can't make the first notice or filing for foreclosure until the borrower is more than 120 days behind. Source: Consumer Financial Protection Bureau.