Gallatin County, MT Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Gallatin County, Montana? DLRadar grades every Gallatin County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 20/100. Here is the 2026 Gallatin County breakdown.
- Gallatin County's most distressed ZIP is 59714 at 20/100.
- 10 ZIP codes tracked in Gallatin County, averaging 19/100 distress.
- Gallatin County reads neutral — home values up 3.7% year over year.
- Vacancy runs 22% across Gallatin County's tracked ZIPs, with a 9.2% poverty rate.
- The typical Gallatin County home is worth about $666,360 against a ~$88,358 median income.
- Lending headwind in Gallatin County sits at 49/100 — 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 | 59714 | 20/100 |
| 2 | 59718 | 20/100 |
| 3 | 59741 | 20/100 |
| 4 | 59758 | 20/100 |
| 5 | 59760 | 20/100 |
| 6 | 59715 | 19/100 |
| 7 | 59730 | 19/100 |
| 8 | 59086 | 17/100 |
| 9 | 59752 | 17/100 |
| 10 | 59716 | 16/100 |
Most distressed ZIP codes in Gallatin County (composite distress 0-100, 2026)
What is driving Gallatin County distress
Gallatin County's placement in the national index rests on public filings — a 19/100 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.
Gallatin County market phase and pricing
Gallatin County reads neutral — home prices rose 3.7% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
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Common questions
Which Gallatin County ZIP scores worst for distress?
ZIP 59714 leads Gallatin County at 20/100, recomputed monthly from public records.
Which phase does Gallatin County sit in right now?
Gallatin County currently sits in neutral, with values up 3.7% year on year, based on FHFA price-index trajectory.
Which datasets feed the Gallatin County scores?
Gallatin County draws on FHFA (neutral 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 10 ZIPs are comparable to anywhere else.
How much do distress scores vary between Gallatin County ZIP codes?
The county figure is a blend, not a description. Across the Gallatin County ZIPs DLRadar ranks, scores run from 20/100 in 59714 down to 16/100 in 59716, against a Gallatin County average of 19/100. With 4 points between best and worst, county-level targeting in Gallatin County wastes effort.
What do Gallatin County home values and vacancy say about distressed supply?
The typical Gallatin County home carries about $666,360 of value against a median household income near $88,358. Vacancy across Gallatin County's tracked ZIPs runs 22% and the poverty rate is 9.2%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Gallatin County's foreclosure and tax-lien record and its 49/100 lending headwind.
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Produced by fixed formulas over public records — research, not investment, legal or financial advice. The underlying index updates monthly.