Harding County, NM Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Harding County, New Mexico? DLRadar grades every Harding County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 15/100. Here is the 2026 Harding County breakdown.
- Harding County's most distressed ZIP is 87746 at 15/100.
- 7 ZIP codes tracked in Harding County, averaging 3/100 distress.
- Harding County reads peak — home values up 1.1% year over year.
- Vacancy runs 39.3% across Harding County's tracked ZIPs, with a 17.2% poverty rate.
- The typical Harding County home is worth about $111,960 against a ~$43,121 median income.
- Lending headwind in Harding County sits at 35/100 — 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 | 87746 | 15/100 |
| 2 | 88415 | 2/100 |
| 3 | 88426 | 2/100 |
| 4 | 88410 | 1/100 |
| 5 | 87730 | 0/100 |
| 6 | 87733 | 0/100 |
| 7 | 87743 | 0/100 |
Most distressed ZIP codes in Harding County (composite distress 0-100, 2026)
What is driving Harding County distress
DLRadar builds Harding County's distress picture only from records anyone can pull; its ZIPs average 3/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Harding County market phase and pricing
DLRadar places Harding County in peak; prices moved up 1.1% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Harding County
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What people ask
Which Harding County ZIP scores worst for distress?
ZIP 87746 leads Harding County at 15/100, recomputed monthly from public records.
How would you describe the Harding County market phase?
Harding County reads peak, with home prices up 1.1% year over year. Phase comes from FHFA House Price Index trajectory.
How is the Harding County data sourced?
Each Harding 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 7 local ZIPs and every other county in the country.
How much do distress scores vary between Harding County ZIP codes?
A county average hides the spread. Across the Harding County ZIPs DLRadar ranks, scores run from 15/100 in 87746 down to 0/100 in 87743, against a Harding County average of 3/100. A spread of 15 points means Harding County has to be worked ZIP by ZIP.
What do Harding County home values and vacancy say about distressed supply?
The typical Harding County home carries about $111,960 of value against a median household income near $43,121. Vacancy across Harding County's tracked ZIPs runs 39.3% and the poverty rate is 17.2%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Harding County's foreclosure and tax-lien filings and its 35/100 lending headwind.
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Scores are computed, not advised: public records, fixed formulas, monthly refresh. Not investment, legal or financial advice.