Garfield County, NE Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Garfield County, Nebraska? DLRadar grades every Garfield County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 8/100. Here is the 2026 Garfield County breakdown.
- Garfield County's most distressed ZIP is 68637 at 8/100.
- 3 ZIP codes tracked in Garfield County, averaging 5/100 distress.
- Garfield County reads peak — home values up 3.3% year over year.
- Vacancy runs 33.2% across Garfield County's tracked ZIPs, with a 10.8% poverty rate.
- The typical Garfield County home is worth about $165,967 against a ~$60,762 median income.
- Lending headwind in Garfield County sits at 32/100 — a forward read on distressed supply.
Data drawn from the DLRadar distress index, recomputed monthly from public filings. Cite with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 68637 | 8/100 |
| 2 | 68823 | 4/100 |
| 3 | 68862 | 4/100 |
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 5/100 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
DLRadar places Garfield County in peak; prices moved up 3.3% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Garfield County
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What people ask
Which ZIP code leads Garfield County on distress?
ZIP 68637 leads Garfield County at 8/100, recomputed monthly from public records.
Where is Garfield County in the housing cycle?
Phase for Garfield County: peak, tracking a 3.3% gain year over year, read off the FHFA index.
Where does the Garfield County data come from?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 3 Garfield County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Garfield County ZIP codes?
Averaging the county conceals how uneven it is. Across the Garfield County ZIPs DLRadar ranks, scores run from 8/100 in 68637 down to 4/100 in 68862, against a Garfield County average of 5/100. 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 $165,967 of value against a median household income near $60,762. Vacancy across Garfield County's tracked ZIPs runs 33.2% and the poverty rate is 10.8%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Garfield County's filings and its 32/100 lending headwind.
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Every score is formula-driven and sourced from public records. Treat it as research, not investment, legal or financial advice. Monthly refresh.