Garfield County, MT Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Garfield County, Montana? 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 59301 at 16/100.
- 9 ZIP codes tracked in Garfield County, averaging 6/100 distress.
- Garfield County reads peak — home values up 2.2% year over year.
- Vacancy runs 42.6% across Garfield County's tracked ZIPs, with a 18.2% poverty rate.
- The typical Garfield County home is worth about $250,925 against a ~$63,838 median income.
- Lending headwind in Garfield County sits at 0/100 — a forward read on distressed supply.
Figures: DLRadar distress index, rebuilt monthly from public filings. Free to reuse with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 59301 | 16/100 |
| 2 | 59214 | 11/100 |
| 3 | 59223 | 11/100 |
| 4 | 59058 | 3/100 |
| 5 | 59077 | 2/100 |
| 6 | 59312 | 2/100 |
| 7 | 59318 | 2/100 |
| 8 | 59322 | 2/100 |
| 9 | 59337 | 2/100 |
Most distressed ZIP codes in Garfield County (composite distress 0-100, 2026)
What is driving Garfield County distress
Nothing here is estimated: Garfield County is scored from filings alone, and its ZIPs average 6/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Garfield County market phase and pricing
Phase for Garfield County: peak (+2.2% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Garfield County
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Frequently asked
What is the most distressed ZIP code in Garfield County, MT?
ZIP 59301 leads Garfield County at 16/100, recomputed monthly from public records.
Where is Garfield County in the housing cycle?
Garfield County currently sits in peak, with values up 2.2% year on year, based on FHFA price-index trajectory.
Can the Garfield County figures be verified?
Every Garfield County figure traces to a public source — FHFA House Price Index for the peak trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 9 Garfield County ZIP codes that it runs on every other U.S. county, so Garfield County's numbers are directly comparable to any other market.
How much do distress scores vary between Garfield County ZIP codes?
One county number flattens a wide range. Across the Garfield County ZIPs DLRadar ranks, scores run from 16/100 in 59301 down to 2/100 in 59337, against a Garfield County average of 6/100. Because the gap runs to 14 points, Garfield County rewards ZIP-level precision.
What do Garfield County home values and vacancy say about distressed supply?
The typical Garfield County home carries about $250,925 of value against a median household income near $63,838. Vacancy across Garfield County's tracked ZIPs runs 42.6% and the poverty rate is 18.2%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Garfield County's foreclosure and tax-lien filings and its 0/100 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.