Garfield County, CO Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Garfield County, CO distress report, 2026: 8 ZIPs scored in Garfield, CO, Garfield, CO average 14/100; the top Garfield, CO ZIP is 81623 at 16/100; Garfield, CO market phase contraction, Garfield, CO prices -0.3% year over year.
- Garfield, CO ranks #3,200 nationally (opportunity index); Garfield, CO #64 in Colorado; Garfield, CO index 19.9.
- Garfield, CO: no CFPB county sample; Garfield, CO non-metro area reading 0.8%.
- Garfield, CO ZIP phases: 5 contraction, 3 peak.
- Garfield, CO residential listings tracked: 8 across 6 ZIPs; Garfield, CO candidate listings 2.
- Garfield, CO HUD assisted properties: 6 with 87 units.
- Garfield, CO lenders on watch: 3; largest Garfield, CO footprint Alpine Bank (9 branches).
- Garfield, CO most distressed ZIP: 81623 at 16/100.
Garfield, CO figures: DLRadar distress index; Garfield, CO inputs: CFPB, FHFA, HUD, FDIC; Garfield, CO rebuilt as sources refresh.
| Rank | Garfield, CO ZIP | Score |
|---|---|---|
| 1 | 81623 | 16/100 |
| 2 | 81630 | 16/100 |
| 3 | 81637 | 15/100 |
| 4 | 81650 | 14/100 |
| 5 | 81635 | 13/100 |
| 6 | 81601 | 12/100 |
| 7 | 81647 | 12/100 |
| 8 | 81652 | 12/100 |
Most distressed Garfield, CO ZIPs (0-100, 2026)
Mortgage delinquency around Garfield, CO
No CFPB county sample covers Garfield, CO; the non-metro area reading for Garfield, CO: 0.8% ninety-plus; Garfield, CO area thirty-to-eighty-nine 1.5% (December 2025, Garfield, CO); Colorado overall 0.7%.
Opportunity index: Garfield, CO
Garfield, CO index 19.9, Garfield, CO phase weak; Garfield, CO primary driver bank institutional, Garfield, CO second driver vacancy. Garfield, CO components: property stress 11.3, foreclosure pressure 12.8, listing discounts 9.9, bank stress 61.3, insurance 0.0; Garfield, CO pulse 23.8; Garfield, CO capital opportunity 14.0; Garfield, CO seven-day change +0.1%.
ZIP market phases inside Garfield, CO
8 Garfield, CO ZIPs carry a price-cycle phase; Garfield, CO ZIPs by phase (Garfield, CO), deepest drawdown first: contraction, -0.3% YoY, 0.7% off peak (Garfield, CO): 81601, 81637, 81647, 81652; contraction, -0.1% YoY, 0.7% off peak (Garfield, CO): 81635; peak, +1.5% YoY, 0.5% off peak (Garfield, CO): 81630; peak, +0.3% YoY, 0.5% off peak (Garfield, CO): 81623; peak, +1.2% YoY, 0.3% off peak (Garfield, CO): 81650.
Residential listings by Garfield, CO ZIP
Garfield, CO ZIPs with the most tracked Garfield, CO residential listings: 81647 4 listings, 0 candidates, bank pressure 67; 81630 2 listings, 2 candidates, bank pressure 67; 81652 2 listings, 0 candidates, bank pressure 67; 81601 0 listings, 0 candidates, bank pressure 67 (Garfield, CO); 81635 0 listings, 0 candidates, bank pressure 67; 81637 0 listings, 0 candidates, bank pressure 66. Garfield, CO totals: 8 listings; Garfield, CO candidates 2; active ZIPs 3.
HUD assisted housing in Garfield, CO
6 assisted properties with 87 units sit in Garfield, CO; largest Garfield, CO properties: New Castle Senior Housing (New Castle) 24 units, 23 assisted; Crystal Meadows Ii (Carbondale) 16 units, 16 assisted; Crystal Meadows Iii (Carbondale) 16 units, 16 assisted in Garfield, CO; Crystal Meadows Iv (Carbondale) 16 units, 16 assisted; Crystal Meadows V (Carbondale) 15 units, 15 assisted; Bell Rippy Apartments (Glenwood Springs) 0 units.
Lenders with branches in Garfield, CO
Garfield, CO lenders by branch count: Alpine Bank (Garfield, CO): stress 62, 9 branches low in Garfield, CO; Anb Bank (Garfield, CO): stress 83, 3 branches low in Garfield, CO; Bank Of Colorado (Garfield, CO): stress 63, 2 branches low in Garfield, CO.
Vacancy and permits, Garfield, CO
1,549 of 24,953 Garfield, CO housing units are vacant; Garfield, CO permits, twelve months: 40 multifamily units in Garfield, CO, 140 one-to-four unit units.
Work Garfield, CO at the parcel level
Every Garfield, CO parcel carries owner and address; every Garfield, CO parcel carries APN; Garfield, CO distress scores sit on the Garfield, CO live board.
Garfield, CO figures refresh with each source.
Garfield, CO questions
Most distressed ZIP code in Garfield County, CO?
ZIP 81623 leads Garfield, CO at 16/100; next in Garfield, CO: 81630 at 16/100; the Garfield, CO average is 14/100.
Where does Garfield County, CO rank for investment opportunity?
Garfield, CO is #3,200 among all ranked counties, #64 in Colorado; the Garfield, CO driver is bank institutional; Garfield, CO moved down 77 places.
How many mortgages are delinquent in Garfield County, CO?
Garfield, CO takes the non-metro area reading of 0.8% for December 2025; no CFPB county sample covers Garfield, CO.
Which banks lend in Garfield County, CO?
3 watched lenders hold Garfield, CO branches; the largest Garfield, CO footprints are Alpine Bank (9), Anb Bank (3), Bank Of Colorado (2).
More on Garfield, CO
Garfield County, CO distress report: public-record figures for Garfield, CO; not legal advice for Garfield, CO; not tax or investment advice; verify every Garfield, CO record before acting.