Elko County, NV Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Elko County, Nevada? DLRadar grades every Elko County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 16/100. Here is the 2026 Elko County breakdown.
- Elko County's most distressed ZIP is 89801 at 16/100.
- 15 ZIP codes tracked in Elko County, averaging 15/100 distress.
- Elko County reads peak — home values up 1.5% year over year.
- Vacancy runs 22.6% across Elko County's tracked ZIPs, with a 13.1% poverty rate.
- The typical Elko County home is worth about $235,875 against a ~$83,942 median income.
- Lending headwind in Elko County sits at 75/100 — a forward read on distressed supply.
All numbers: DLRadar's monthly public-record distress index. Reuse is welcome with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 89801 | 16/100 |
| 2 | 89815 | 16/100 |
| 3 | 89823 | 16/100 |
| 4 | 89825 | 16/100 |
| 5 | 89826 | 16/100 |
| 6 | 89828 | 16/100 |
| 7 | 89830 | 16/100 |
| 8 | 89831 | 16/100 |
| 9 | 89833 | 16/100 |
| 10 | 89834 | 16/100 |
| 11 | 89835 | 16/100 |
| 12 | 89883 | 16/100 |
Most distressed ZIP codes in Elko County (composite distress 0-100, 2026)
What is driving Elko County distress
The Elko County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 15/100 ZIP average. No proprietary or modelled inputs enter the score.
Elko County market phase and pricing
Elko County reads peak — home prices rose 1.5% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Elko County
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What people ask
Where is distress highest inside Elko County, NV?
ZIP 89801 leads Elko County at 16/100, recomputed monthly from public records.
Where is Elko County in the housing cycle?
Elko County reads peak, with home prices up 1.5% year over year. Phase comes from FHFA House Price Index trajectory.
Can the Elko County figures be verified?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 15 Elko County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Elko County ZIP codes?
The county figure is a blend, not a description. Across the Elko County ZIPs DLRadar ranks, scores run from 16/100 in 89801 down to 16/100 in 89883, against a Elko County average of 15/100. With 0 points between best and worst, county-level targeting in Elko County wastes effort.
What do Elko County home values and vacancy say about distressed supply?
The typical Elko County home carries about $235,875 of value against a median household income near $83,942. Vacancy across Elko County's tracked ZIPs runs 22.6% and the poverty rate is 13.1%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Elko County's filings and its 75/100 lending headwind.
Related
A deterministic scoring of public filings. Nothing on this page constitutes investment, legal or financial advice. Monthly refresh from the live index.