Elbert County, CO Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Elbert County, Colorado? DLRadar grades every Elbert County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 21/100. Here is the 2026 Elbert County breakdown.
- Elbert County's most distressed ZIP is 80102 at 21/100.
- 14 ZIP codes tracked in Elbert County, averaging 17/100 distress.
- Elbert County reads contraction — home values down 1.0% year over year, 1.2% off peak.
- Vacancy runs 7.7% across Elbert County's tracked ZIPs, with a 8.3% poverty rate.
- The typical Elbert County home is worth about $484,993 against a ~$126,174 median income.
- Lending headwind in Elbert County sits at 53/100 — 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 | 80102 | 21/100 |
| 2 | 80105 | 21/100 |
| 3 | 80138 | 21/100 |
| 4 | 80831 | 20/100 |
| 5 | 80808 | 19/100 |
| 6 | 80101 | 17/100 |
| 7 | 80107 | 17/100 |
| 8 | 80117 | 17/100 |
| 9 | 80830 | 17/100 |
| 10 | 80835 | 16/100 |
| 11 | 80106 | 15/100 |
| 12 | 80832 | 15/100 |
Most distressed ZIP codes in Elbert County (composite distress 0-100, 2026)
What is driving Elbert County distress
DLRadar builds Elbert County's distress picture only from records anyone can pull; its ZIPs average 17/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Elbert County market phase and pricing
DLRadar places Elbert County in contraction; prices moved down 1.0% over the year and remain 1.2% under peak. Longer marketing times follow, and with them the sellers worth calling.
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Questions about this county
Which ZIP code leads Elbert County on distress?
ZIP 80102 leads Elbert County at 21/100, recomputed monthly from public records.
Is Elbert County expanding or contracting?
Elbert County currently sits in contraction, with values down 1.0% year on year, based on FHFA price-index trajectory.
Which datasets feed the Elbert County scores?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 14 Elbert County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Elbert County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Elbert County ZIPs DLRadar ranks, scores run from 21/100 in 80102 down to 15/100 in 80832, against a Elbert County average of 17/100. The 6-point range is the argument for ZIP-level search across Elbert County.
What do Elbert County home values and vacancy say about distressed supply?
The typical Elbert County home carries about $484,993 of value against a median household income near $126,174. Vacancy across Elbert County's tracked ZIPs runs 7.7% and the poverty rate is 8.3%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Elbert County's filings and its 53/100 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.