Garfield County, CO Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Garfield County, Colorado? DLRadar grades every Garfield County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 16/100. Here is the 2026 Garfield County breakdown.
- Garfield County's most distressed ZIP is 81630 at 16/100.
- 8 ZIP codes tracked in Garfield County, averaging 14/100 distress.
- Garfield County reads contraction — home values down 0.3% year over year, 0.7% off peak.
- Vacancy runs 6.8% across Garfield County's tracked ZIPs, with a 8.8% poverty rate.
- The typical Garfield County home is worth about $539,175 against a ~$93,104 median income.
- Lending headwind in Garfield County sits at 70/100 — a forward read on distressed supply.
Based on DLRadar's public-record distress index, updated every month. Free to cite with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 81630 | 16/100 |
| 2 | 81637 | 16/100 |
| 3 | 81623 | 15/100 |
| 4 | 81635 | 13/100 |
| 5 | 81650 | 13/100 |
| 6 | 81601 | 12/100 |
| 7 | 81647 | 12/100 |
| 8 | 81652 | 12/100 |
Most distressed ZIP codes in Garfield County (composite distress 0-100, 2026)
What is driving Garfield County distress
Garfield County's placement in the national index rests on public filings — a 14/100 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.
Garfield County market phase and pricing
Phase for Garfield County: contraction (-0.3% YoY, 0.7% off peak). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Garfield County
The Garfield County scores above are open to read. A 60-minute exploration adds the individual distressed properties behind each ZIP — no card required.
Card-free · live data across the whole platform for a week.
What people ask
Which Garfield County ZIP scores worst for distress?
ZIP 81630 leads Garfield County at 16/100, recomputed monthly from public records.
Is Garfield County expanding or contracting?
Garfield County is classified contraction with a 0.3% year-over-year drop, following the FHFA House Price Index.
Where does the Garfield County data come from?
Each Garfield 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 8 local ZIPs and every other county in the country.
How much do distress scores vary between Garfield County ZIP codes?
A county average hides the spread. Across the Garfield County ZIPs DLRadar ranks, scores run from 16/100 in 81630 down to 12/100 in 81652, against a Garfield County average of 14/100. The 4-point range is the argument for ZIP-level search across Garfield County.
What do Garfield County home values and vacancy say about distressed supply?
The typical Garfield County home carries about $539,175 of value against a median household income near $93,104. Vacancy across Garfield County's tracked ZIPs runs 6.8% and the poverty rate is 8.8%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Garfield County's foreclosure and lien filings and its 70/100 lending headwind.
Related
DLRadar scores property distress from public records by deterministic formulas — not investment, legal, or financial advice. Figures refresh monthly from the live index.