Bernalillo County, NM Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Bernalillo County, NM distress report, 2026: 29 ZIPs scored in Bernalillo, NM, Bernalillo, NM average 22/100; the top Bernalillo, NM ZIP is 87048 at 25/100; Bernalillo, NM market phase peak, Bernalillo, NM prices +2.1% year over year.
- Bernalillo, NM ranks #3,019 nationally (opportunity index); Bernalillo, NM #33 in New Mexico; Bernalillo, NM index 23.0.
- Bernalillo, NM ninety-day mortgage delinquency 0.8% in December 2025; Bernalillo, NM twelve-month change +0.1%.
- Bernalillo, NM ZIP phases: 28 peak, 1 neutral.
- Bernalillo, NM residential listings tracked: 244 across 24 ZIPs; Bernalillo, NM candidate listings 47.
- Bernalillo, NM HUD assisted properties: 41 with 2,394 units.
- Bernalillo, NM lenders on watch: 7; largest Bernalillo, NM footprint First American Bank (2 branches).
- Bernalillo, NM most distressed ZIP: 87048 at 25/100.
Bernalillo, NM figures: DLRadar distress index; Bernalillo, NM inputs: CFPB, FHFA, HUD, FDIC; Bernalillo, NM rebuilt as sources refresh.
| Rank | Bernalillo, NM ZIP | Score |
|---|---|---|
| 1 | 87048 | 25/100 |
| 2 | 87068 | 25/100 |
| 3 | 87124 | 25/100 |
| 4 | 87047 | 23/100 |
| 5 | 87008 | 22/100 |
| 6 | 87022 | 22/100 |
| 7 | 87059 | 22/100 |
| 8 | 87101 | 22/100 |
| 9 | 87102 | 22/100 |
| 10 | 87104 | 22/100 |
| 11 | 87105 | 22/100 |
| 12 | 87106 | 22/100 |
Most distressed Bernalillo, NM ZIPs (0-100, 2026)
Mortgage delinquency in Bernalillo, NM
0.8% of Bernalillo, NM mortgages were ninety-plus days late (Bernalillo, NM, December 2025); Bernalillo, NM thirty-to-eighty-nine days late: 2.2%; Bernalillo, NM twelve-month change +0.1%; Bernalillo, NM peak since 2008: 3.8% (May 2012); New Mexico overall 1.1%. Bernalillo, NM ninety-day series: Dec 24 0.7, Jan 25 0.9, Feb 25 0.7 (Bernalillo, NM), Mar 25 0.7, Apr 25 0.6, May 25 0.6 (Bernalillo, NM), Jun 25 0.7, Jul 25 0.8, Aug 25 0.9 (Bernalillo, NM), Sep 25 0.8, Oct 25 0.8, Nov 25 0.8 (Bernalillo, NM), Dec 25 0.8.
Opportunity index: Bernalillo, NM
Bernalillo, NM index 23.0, Bernalillo, NM phase weak; Bernalillo, NM primary driver bank institutional, Bernalillo, NM second driver construction. Bernalillo, NM components: property stress 8.0, foreclosure pressure 5.8, listing discounts 26.6, bank stress 59.5, insurance 0.0; Bernalillo, NM pulse 24.6; Bernalillo, NM capital opportunity 20.5; Bernalillo, NM seven-day change +0.1%.
ZIP market phases inside Bernalillo, NM
29 Bernalillo, NM ZIPs carry a price-cycle phase; Bernalillo, NM ZIPs by phase (Bernalillo, NM), deepest drawdown first: peak, +2.1% YoY (Bernalillo, NM): 87008, 87022, 87048, 87059, Bernalillo, NM 87068, 87101, 87102, 87104, Bernalillo, NM 87105, 87106, 87107, 87108, Bernalillo, NM 87109; neutral, +3.7% YoY (Bernalillo, NM): 87015; peak, +1.6% YoY (Bernalillo, NM): 87026; peak, +2.9% YoY (Bernalillo, NM): 87047.
Residential listings by Bernalillo, NM ZIP
Bernalillo, NM ZIPs with the most tracked Bernalillo, NM residential listings: 87114 31 listings, 2 candidates, bank pressure 61; 87120 26 listings, 2 candidates, bank pressure 61; 87121 24 listings, 4 candidates, bank pressure 61; 87107 21 listings, 5 candidates, bank pressure 61 (Bernalillo, NM); 87111 21 listings, 3 candidates, bank pressure 61; 87105 20 listings, 5 candidates, bank pressure 61; 87110 17 listings, 3 candidates, bank pressure 61; 87112 17 listings, 3 candidates, bank pressure 61. Bernalillo, NM totals: 244 listings; Bernalillo, NM candidates 47; active ZIPs 19.
HUD assisted housing in Bernalillo, NM
41 assisted properties with 2,394 units sit in Bernalillo, NM; largest Bernalillo, NM properties: Sun Pointe Park Apartments-Risk Share (Albuquerque) 263 units; Andalucia Villas (Albuquerque) 241 units; Volcanes Commons (Albuquerque) 198 units in Bernalillo, NM; Arroyo Vista (Albuquerque) 190 units; La Resolana Apartments (Albuquerque) 167 units, 166 assisted; Saint Anthony's Plaza Apartments (Albuquerque) 160 units, 160 assisted.
Lenders with branches in Bernalillo, NM
Bernalillo, NM lenders by branch count: First American Bank (Bernalillo, NM): stress 39, 2 branches low in Bernalillo, NM; Century Bank (Bernalillo, NM): stress 76, 1 branch low in Bernalillo, NM; Southwest Capital Bank (Bernalillo, NM): stress 67, 1 branch low in Bernalillo, NM; Citizens Bank Of Las Cruces (Bernalillo, NM): stress 46, 1 branch low in Bernalillo, NM; Main Bank (Bernalillo, NM): stress 42, 1 branch low in Bernalillo, NM; Western Commerce Bank (Bernalillo, NM): stress 41, 1 branch low in Bernalillo, NM; Dsrm National Bank (Bernalillo, NM): stress 0, 1 branch low in Bernalillo, NM.
Vacancy and permits, Bernalillo, NM
17,251 of 302,746 Bernalillo, NM housing units are vacant; Bernalillo, NM permits, twelve months: 1,020 multifamily units in Bernalillo, NM, 700 one-to-four unit units.
Work Bernalillo, NM at the parcel level
Every Bernalillo, NM parcel carries owner and address; every Bernalillo, NM parcel carries APN; Bernalillo, NM distress scores sit on the Bernalillo, NM live board.
Bernalillo, NM figures refresh with each source.
Bernalillo, NM questions
Most distressed ZIP code in Bernalillo County, NM?
ZIP 87048 leads Bernalillo, NM at 25/100; next in Bernalillo, NM: 87068 at 25/100; the Bernalillo, NM average is 22/100.
Where does Bernalillo County, NM rank for investment opportunity?
Bernalillo, NM is #3,019 among all ranked counties, #33 in New Mexico; the Bernalillo, NM driver is bank institutional; Bernalillo, NM moved up 48 places.
How many mortgages are delinquent in Bernalillo County, NM?
0.8% of Bernalillo, NM mortgages were ninety-plus days late in December 2025; the Bernalillo, NM peak since 2008 was 3.8%.
Which banks lend in Bernalillo County, NM?
7 watched lenders hold Bernalillo, NM branches; the largest Bernalillo, NM footprints are First American Bank (2), Century Bank (1), Southwest Capital Bank (1).
More on Bernalillo, NM
Bernalillo County, NM distress report: public-record figures for Bernalillo, NM; not legal advice for Bernalillo, NM; not tax or investment advice; verify every Bernalillo, NM record before acting.