Flathead County, MT Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Flathead County, Montana? DLRadar grades every Flathead County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 13/100. Here is the 2026 Flathead County breakdown.
- Flathead County's most distressed ZIP is 59845 at 13/100.
- 16 ZIP codes tracked in Flathead County, averaging 13/100 distress.
- Flathead County reads peak — home values up 2.5% year over year.
- Vacancy runs 32.1% across Flathead County's tracked ZIPs, with a 9% poverty rate.
- The typical Flathead County home is worth about $551,813 against a ~$72,015 median income.
- Lending headwind in Flathead County sits at 42/100 — a forward read on distressed supply.
Numbers from the DLRadar public-record distress index, refreshed each month. Quote them freely with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 59845 | 13/100 |
| 2 | 59901 | 13/100 |
| 3 | 59912 | 13/100 |
| 4 | 59913 | 13/100 |
| 5 | 59916 | 13/100 |
| 6 | 59919 | 13/100 |
| 7 | 59920 | 13/100 |
| 8 | 59922 | 13/100 |
| 9 | 59925 | 13/100 |
| 10 | 59926 | 13/100 |
| 11 | 59927 | 13/100 |
| 12 | 59928 | 13/100 |
Most distressed ZIP codes in Flathead County (composite distress 0-100, 2026)
What is driving Flathead County distress
DLRadar builds Flathead County's distress picture only from records anyone can pull; its ZIPs average 13/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Flathead County market phase and pricing
Phase for Flathead County: peak (+2.5% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Flathead County
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Questions about this county
What is the hardest-hit ZIP in Flathead County?
ZIP 59845 leads Flathead County at 13/100, recomputed monthly from public records.
Is Flathead County expanding or contracting?
FHFA price-index movement places Flathead County in peak; prices are up 2.5% over twelve months.
What is this Flathead County analysis built from?
Each Flathead County number can be traced back to a federal or county source — FHFA, CFPB, the recorder, FEMA/NFIP and Census ACS. One deterministic model covers all 16 local ZIPs and every other county in the country.
How much do distress scores vary between Flathead County ZIP codes?
The county figure is a blend, not a description. Across the Flathead County ZIPs DLRadar ranks, scores run from 13/100 in 59845 down to 13/100 in 59928, against a Flathead County average of 13/100. The 0-point range is the argument for ZIP-level search across Flathead County.
What do Flathead County home values and vacancy say about distressed supply?
The typical Flathead County home carries about $551,813 of value against a median household income near $72,015. Vacancy across Flathead County's tracked ZIPs runs 32.1% and the poverty rate is 9%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Flathead County's foreclosure and tax-lien filings and its 42/100 lending headwind.
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Scores are computed, not advised: public records, fixed formulas, monthly refresh. Not investment, legal or financial advice.