Chaffee County, CO Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Chaffee County, Colorado? DLRadar grades every Chaffee County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 14/100. Here is the 2026 Chaffee County breakdown.
- Chaffee County's most distressed ZIP is 81201 at 14/100.
- 7 ZIP codes tracked in Chaffee County, averaging 13/100 distress.
- Chaffee County reads peak — home values up 2.2% year over year.
- Vacancy runs 27.8% across Chaffee County's tracked ZIPs, with a 5.1% poverty rate.
- The typical Chaffee County home is worth about $595,260 against a ~$69,394 median income.
- Lending headwind in Chaffee County sits at 45/100 — 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 | 81201 | 14/100 |
| 2 | 81211 | 14/100 |
| 3 | 81227 | 14/100 |
| 4 | 81228 | 14/100 |
| 5 | 81236 | 14/100 |
| 6 | 81242 | 14/100 |
| 7 | 80449 | 9/100 |
Most distressed ZIP codes in Chaffee County (composite distress 0-100, 2026)
What is driving Chaffee County distress
Chaffee County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 13/100 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.
Chaffee County market phase and pricing
The cycle in Chaffee County is peak, with values up 2.2% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Chaffee County
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Common questions
Where is distress highest inside Chaffee County, CO?
ZIP 81201 leads Chaffee County at 14/100, recomputed monthly from public records.
What market phase is Chaffee County in?
FHFA price-index movement places Chaffee County in peak; prices are up 2.2% over twelve months.
Which datasets feed the Chaffee County scores?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 7 Chaffee County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Chaffee County ZIP codes?
A county average hides the spread. Across the Chaffee County ZIPs DLRadar ranks, scores run from 14/100 in 81201 down to 9/100 in 80449, against a Chaffee County average of 13/100. That 5-point gap is why acquisition targeting in Chaffee County works at ZIP level rather than county level.
What do Chaffee County home values and vacancy say about distressed supply?
The typical Chaffee County home carries about $595,260 of value against a median household income near $69,394. Vacancy across Chaffee County's tracked ZIPs runs 27.8% and the poverty rate is 5.1%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Chaffee County's foreclosure and tax-lien filings and its 45/100 lending headwind.
Related
A deterministic scoring of public filings. Nothing on this page constitutes investment, legal or financial advice. Monthly refresh from the live index.