Delta County, CO Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Delta County, Colorado? DLRadar grades every Delta County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 18/100. Here is the 2026 Delta County breakdown.
- Delta County's most distressed ZIP is 81410 at 18/100.
- 8 ZIP codes tracked in Delta County, averaging 17/100 distress.
- Delta County reads peak — home values up 2.2% year over year.
- Vacancy runs 23.3% across Delta County's tracked ZIPs, with a 11.6% poverty rate.
- The typical Delta County home is worth about $333,600 against a ~$58,124 median income.
- Lending headwind in Delta County sits at 51/100 — a forward read on distressed supply.
All figures come from the monthly DLRadar distress index built on public records. Attribution to DLRadar (dlradar.com) appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 81410 | 18/100 |
| 2 | 81413 | 18/100 |
| 3 | 81418 | 18/100 |
| 4 | 81419 | 18/100 |
| 5 | 81428 | 18/100 |
| 6 | 81434 | 15/100 |
| 7 | 81416 | 14/100 |
| 8 | 81415 | 13/100 |
Most distressed ZIP codes in Delta County (composite distress 0-100, 2026)
What is driving Delta County distress
Delta County's placement in the national index rests on public filings — a 17/100 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.
Delta County market phase and pricing
Phase for Delta County: peak (+2.2% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Delta County
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Questions and answers
What is the hardest-hit ZIP in Delta County?
ZIP 81410 leads Delta County at 18/100, recomputed monthly from public records.
Which phase does Delta County sit in right now?
Delta County currently sits in peak, with values up 2.2% year on year, based on FHFA price-index trajectory.
Where does the Delta County data come from?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 8 Delta 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 Delta County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Delta County ZIPs DLRadar ranks, scores run from 18/100 in 81410 down to 13/100 in 81415, against a Delta County average of 17/100. That 5-point gap is why acquisition targeting in Delta County works at ZIP level rather than county level.
What do Delta County home values and vacancy say about distressed supply?
The typical Delta County home carries about $333,600 of value against a median household income near $58,124. Vacancy across Delta County's tracked ZIPs runs 23.3% and the poverty rate is 11.6%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Delta County's foreclosure and lien filings and its 51/100 lending headwind.
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Every score is formula-driven and sourced from public records. Treat it as research, not investment, legal or financial advice. Monthly refresh.