Chaves County, NM Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Chaves County, New Mexico? DLRadar grades every Chaves County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 33/100. Here is the 2026 Chaves County breakdown.
- Chaves County's most distressed ZIP is 88201 at 33/100.
- 9 ZIP codes tracked in Chaves County, averaging 30/100 distress.
- Chaves County reads peak — home values up 1.9% year over year.
- Vacancy runs 20% across Chaves County's tracked ZIPs, with a 14.6% poverty rate.
- The typical Chaves County home is worth about $165,650 against a ~$53,478 median income.
- Lending headwind in Chaves County sits at 11/100 — a forward read on distressed supply.
Data drawn from the DLRadar distress index, recomputed monthly from public filings. Cite with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 88201 | 33/100 |
| 2 | 88203 | 33/100 |
| 3 | 88230 | 33/100 |
| 4 | 88232 | 33/100 |
| 5 | 88339 | 32/100 |
| 6 | 88344 | 31/100 |
| 7 | 88116 | 30/100 |
| 8 | 88253 | 23/100 |
| 9 | 88250 | 22/100 |
Most distressed ZIP codes in Chaves County (composite distress 0-100, 2026)
What is driving Chaves County distress
Chaves County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 30/100 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.
Chaves County market phase and pricing
Phase for Chaves County: peak (+1.9% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Chaves County
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Common questions
What is the hardest-hit ZIP in Chaves County?
ZIP 88201 leads Chaves County at 33/100, recomputed monthly from public records.
What stage of the price cycle is Chaves County at?
FHFA price-index movement places Chaves County in peak; prices are up 1.9% over twelve months.
Can the Chaves County figures be verified?
Every Chaves 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 9 Chaves County ZIP codes that it runs on every other U.S. county, so Chaves County's numbers are directly comparable to any other market.
How much do distress scores vary between Chaves County ZIP codes?
Averaging the county conceals how uneven it is. Across the Chaves County ZIPs DLRadar ranks, scores run from 33/100 in 88201 down to 22/100 in 88250, against a Chaves County average of 30/100. With 11 points between best and worst, county-level targeting in Chaves County wastes effort.
What do Chaves County home values and vacancy say about distressed supply?
The typical Chaves County home carries about $165,650 of value against a median household income near $53,478. Vacancy across Chaves County's tracked ZIPs runs 20% and the poverty rate is 14.6%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Chaves County's foreclosure and lien filings and its 11/100 lending headwind.
Related
Scores are computed, not advised: public records, fixed formulas, monthly refresh. Not investment, legal or financial advice.