Adams County, CO Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Adams County, Colorado? DLRadar grades every Adams County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 28/100. Here is the 2026 Adams County breakdown.
- Adams County's most distressed ZIP is 80002 at 28/100.
- 35 ZIP codes tracked in Adams County, averaging 21/100 distress.
- Adams County reads contraction — home values down 1.0% year over year, 1.2% off peak.
- Vacancy runs 4% across Adams County's tracked ZIPs, with a 9.8% poverty rate.
- The typical Adams County home is worth about $519,630 against a ~$95,227 median income.
- Lending headwind in Adams County sits at 49/100 — a forward read on distressed supply.
Source data is DLRadar's monthly public-record index. Citation welcome, with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 80002 | 28/100 |
| 2 | 80003 | 27/100 |
| 3 | 80010 | 23/100 |
| 4 | 80137 | 23/100 |
| 5 | 80011 | 22/100 |
| 6 | 80103 | 22/100 |
| 7 | 80136 | 22/100 |
| 8 | 80643 | 22/100 |
| 9 | 80020 | 21/100 |
| 10 | 80031 | 21/100 |
| 11 | 80102 | 21/100 |
| 12 | 80105 | 21/100 |
Most distressed ZIP codes in Adams County (composite distress 0-100, 2026)
What is driving Adams County distress
Nothing here is estimated: Adams County is scored from filings alone, and its ZIPs average 21/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Adams County market phase and pricing
Adams County reads contraction — home prices fell 1.0% over the last year and are 1.2% off their peak. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
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Common questions
Which part of Adams County, CO scores highest for distress?
ZIP 80002 leads Adams County at 28/100, recomputed monthly from public records.
Where is Adams County in the housing cycle?
Adams County reads contraction, with home prices down 1.0% year over year. Phase comes from FHFA House Price Index trajectory.
Where does the Adams County data come from?
Adams County draws on FHFA (contraction trajectory), CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS — every one a public source. The scoring model does not change between counties, so these 35 ZIPs are comparable to anywhere else.
How much do distress scores vary between Adams County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Adams County ZIPs DLRadar ranks, scores run from 28/100 in 80002 down to 21/100 in 80105, against a Adams County average of 21/100. A spread of 7 points means Adams County has to be worked ZIP by ZIP.
What do Adams County home values and vacancy say about distressed supply?
The typical Adams County home carries about $519,630 of value against a median household income near $95,227. Vacancy across Adams County's tracked ZIPs runs 4% and the poverty rate is 9.8%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Adams County's foreclosure and tax-lien record and its 49/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.