Bernalillo County, NM Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Bernalillo County, New Mexico? DLRadar grades every Bernalillo County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 25/100. Here is the 2026 Bernalillo County breakdown.
- Bernalillo County's most distressed ZIP is 87048 at 25/100.
- 29 ZIP codes tracked in Bernalillo County, averaging 22/100 distress.
- Bernalillo County reads peak — home values up 2.1% year over year.
- Vacancy runs 7.6% across Bernalillo County's tracked ZIPs, with a 14.4% poverty rate.
- The typical Bernalillo County home is worth about $324,767 against a ~$70,751 median income.
- Lending headwind in Bernalillo County sits at 49/100 — a forward read on distressed supply.
Numbers from the DLRadar public-record distress index, refreshed each month. Quote them freely with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 87048 | 25/100 |
| 2 | 87068 | 25/100 |
| 3 | 87124 | 25/100 |
| 4 | 87047 | 23/100 |
| 5 | 87122 | 23/100 |
| 6 | 87008 | 22/100 |
| 7 | 87022 | 22/100 |
| 8 | 87059 | 22/100 |
| 9 | 87101 | 22/100 |
| 10 | 87102 | 22/100 |
| 11 | 87104 | 22/100 |
| 12 | 87105 | 22/100 |
Most distressed ZIP codes in Bernalillo County (composite distress 0-100, 2026)
What is driving Bernalillo County distress
Bernalillo County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 22/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Bernalillo County market phase and pricing
Bernalillo County reads peak — home prices rose 2.1% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
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What people ask
What is the hardest-hit ZIP in Bernalillo County?
ZIP 87048 leads Bernalillo County at 25/100, recomputed monthly from public records.
Where is Bernalillo County in the housing cycle?
FHFA price-index movement places Bernalillo County in peak; prices are up 2.1% over twelve months.
Which datasets feed the Bernalillo County scores?
Every Bernalillo County figure traces to a public source — FHFA House Price Index for the peak trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 29 Bernalillo County ZIP codes that it runs on every other U.S. county, so Bernalillo County's numbers are directly comparable to any other market.
How much do distress scores vary between Bernalillo County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Bernalillo County ZIPs DLRadar ranks, scores run from 25/100 in 87048 down to 22/100 in 87105, against a Bernalillo County average of 22/100. That 3-point gap is why acquisition targeting in Bernalillo County works at ZIP level rather than county level.
What do Bernalillo County home values and vacancy say about distressed supply?
The typical Bernalillo County home carries about $324,767 of value against a median household income near $70,751. Vacancy across Bernalillo County's tracked ZIPs runs 7.6% and the poverty rate is 14.4%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Bernalillo County's foreclosure and tax-lien filings and its 49/100 lending headwind.
Related
DLRadar scores property distress from public records by deterministic formulas — not investment, legal, or financial advice. Figures refresh monthly from the live index.