Chouteau County, MT Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Chouteau County, Montana? DLRadar grades every Chouteau County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 17/100. Here is the 2026 Chouteau County breakdown.
- Chouteau County's most distressed ZIP is 59540 at 17/100.
- 13 ZIP codes tracked in Chouteau County, averaging 13/100 distress.
- Chouteau County reads peak — home values up 2.2% year over year.
- Vacancy runs 19.8% across Chouteau County's tracked ZIPs, with a 10.2% poverty rate.
- The typical Chouteau County home is worth about $201,515 against a ~$67,968 median income.
- Lending headwind in Chouteau County sits at 35/100 — 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 | 59540 | 17/100 |
| 2 | 59521 | 15/100 |
| 3 | 59405 | 14/100 |
| 4 | 59404 | 13/100 |
| 5 | 59420 | 13/100 |
| 6 | 59442 | 13/100 |
| 7 | 59446 | 13/100 |
| 8 | 59450 | 13/100 |
| 9 | 59460 | 13/100 |
| 10 | 59520 | 13/100 |
| 11 | 59416 | 12/100 |
| 12 | 59440 | 12/100 |
Most distressed ZIP codes in Chouteau County (composite distress 0-100, 2026)
What is driving Chouteau County distress
Chouteau County's placement in the national index rests on public filings — a 13/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Chouteau County market phase and pricing
Chouteau County currently sits in peak after a 2.2% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
See the distressed properties behind the data in Chouteau County
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Common questions
What is the hardest-hit ZIP in Chouteau County?
ZIP 59540 leads Chouteau County at 17/100, recomputed monthly from public records.
How would you describe the Chouteau County market phase?
FHFA price-index movement places Chouteau County in peak; prices are up 2.2% over twelve months.
What is this Chouteau County analysis built from?
Each Chouteau County number can be traced back to a federal or county source — FHFA, CFPB, the recorder, FEMA/NFIP and Census ACS. One deterministic model covers all 13 local ZIPs and every other county in the country.
How much do distress scores vary between Chouteau County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Chouteau County ZIPs DLRadar ranks, scores run from 17/100 in 59540 down to 12/100 in 59440, against a Chouteau County average of 13/100. With 5 points between best and worst, county-level targeting in Chouteau County wastes effort.
What do Chouteau County home values and vacancy say about distressed supply?
The typical Chouteau County home carries about $201,515 of value against a median household income near $67,968. Vacancy across Chouteau County's tracked ZIPs runs 19.8% and the poverty rate is 10.2%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Chouteau County's foreclosure and tax-lien filings and its 35/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.