Cibola County, NM Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Cibola County, New Mexico? DLRadar grades every Cibola County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 22/100. Here is the 2026 Cibola County breakdown.
- Cibola County's most distressed ZIP is 87020 at 22/100.
- 17 ZIP codes tracked in Cibola County, averaging 16/100 distress.
- Cibola County reads peak — home values up 1.1% year over year.
- Vacancy runs 32.5% across Cibola County's tracked ZIPs, with a 33.9% poverty rate.
- The typical Cibola County home is worth about $108,763 against a ~$49,458 median income.
- Lending headwind in Cibola County sits at 41/100 — a forward read on distressed supply.
Source: the DLRadar property-distress index, rebuilt monthly from public records. Cite it freely with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 87020 | 22/100 |
| 2 | 87026 | 21/100 |
| 3 | 87321 | 21/100 |
| 4 | 87045 | 20/100 |
| 5 | 87323 | 20/100 |
| 6 | 87327 | 20/100 |
| 7 | 87005 | 13/100 |
| 8 | 87007 | 13/100 |
| 9 | 87014 | 13/100 |
| 10 | 87021 | 13/100 |
| 11 | 87034 | 13/100 |
| 12 | 87038 | 13/100 |
Most distressed ZIP codes in Cibola County (composite distress 0-100, 2026)
What is driving Cibola County distress
Cibola County's placement in the national index rests on public filings — a 16/100 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.
Cibola County market phase and pricing
Phase for Cibola County: peak (+1.1% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Cibola County
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Common questions
Which Cibola County ZIP scores worst for distress?
ZIP 87020 leads Cibola County at 22/100, recomputed monthly from public records.
How would you describe the Cibola County market phase?
The market phase for Cibola County is peak, prices rising 1.1% on the year — derived from the FHFA House Price Index path.
What are the sources behind these Cibola County numbers?
The inputs are all public: FHFA for the peak path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 17 ZIP codes in Cibola County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Cibola County ZIP codes?
A county average hides the spread. Across the Cibola County ZIPs DLRadar ranks, scores run from 22/100 in 87020 down to 13/100 in 87038, against a Cibola County average of 16/100. Those 9 points separate the ZIPs worth working in Cibola County from the rest.
What do Cibola County home values and vacancy say about distressed supply?
The typical Cibola County home carries about $108,763 of value against a median household income near $49,458. Vacancy across Cibola County's tracked ZIPs runs 32.5% and the poverty rate is 33.9%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Cibola County's foreclosure and tax-lien record and its 41/100 lending headwind.
Related
These scores come from public filings run through fixed formulas. Nothing here is investment, legal or financial advice; the index refreshes monthly.