Clear Creek County, CO Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Clear Creek County, Colorado? DLRadar grades every Clear Creek County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 21/100. Here is the 2026 Clear Creek County breakdown.
- Clear Creek County's most distressed ZIP is 80439 at 21/100.
- 6 ZIP codes tracked in Clear Creek County, averaging 18/100 distress.
- Clear Creek County reads contraction — home values down 1.0% year over year, 1.2% off peak.
- Vacancy runs 26% across Clear Creek County's tracked ZIPs, with a 9.4% poverty rate.
- The typical Clear Creek County home is worth about $526,467 against a ~$138,047 median income.
- Lending headwind in Clear Creek County sits at 38/100 — 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 | 80439 | 21/100 |
| 2 | 80436 | 17/100 |
| 3 | 80438 | 17/100 |
| 4 | 80444 | 17/100 |
| 5 | 80452 | 17/100 |
| 6 | 80476 | 17/100 |
Most distressed ZIP codes in Clear Creek County (composite distress 0-100, 2026)
What is driving Clear Creek County distress
Clear Creek County's placement in the national index rests on public filings — a 18/100 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.
Clear Creek County market phase and pricing
The cycle in Clear Creek County is contraction, with values down 1.0% year over year and 1.2% below peak. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
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Questions and answers
Which ZIP code leads Clear Creek County on distress?
ZIP 80439 leads Clear Creek County at 21/100, recomputed monthly from public records.
What stage of the price cycle is Clear Creek County at?
FHFA price-index movement places Clear Creek County in contraction; prices are down 1.0% over twelve months.
Can the Clear Creek County figures be verified?
Clear Creek County draws on FHFA (contraction trajectory), CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS — every one a public source. The scoring model does not change between counties, so these 6 ZIPs are comparable to anywhere else.
How much do distress scores vary between Clear Creek County ZIP codes?
One county number flattens a wide range. Across the Clear Creek County ZIPs DLRadar ranks, scores run from 21/100 in 80439 down to 17/100 in 80476, against a Clear Creek County average of 18/100. With 4 points between best and worst, county-level targeting in Clear Creek County wastes effort.
What do Clear Creek County home values and vacancy say about distressed supply?
The typical Clear Creek County home carries about $526,467 of value against a median household income near $138,047. Vacancy across Clear Creek County's tracked ZIPs runs 26% and the poverty rate is 9.4%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Clear Creek County's foreclosure and lien filings and its 38/100 lending headwind.
Related
Every score is formula-driven and sourced from public records. Treat it as research, not investment, legal or financial advice. Monthly refresh.