Jefferson County, CO Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Jefferson County, Colorado? DLRadar grades every Jefferson County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 28/100. Here is the 2026 Jefferson County breakdown.
- Jefferson County's most distressed ZIP is 80002 at 28/100.
- 34 ZIP codes tracked in Jefferson County, averaging 26/100 distress.
- Jefferson County reads contraction — home values down 1.0% year over year, 1.2% off peak.
- Vacancy runs 7.3% across Jefferson County's tracked ZIPs, with a 6.5% poverty rate.
- The typical Jefferson County home is worth about $652,045 against a ~$110,617 median income.
- Lending headwind in Jefferson County sits at 57/100 — a forward read on distressed supply.
Compiled from the DLRadar property-distress index and refreshed monthly. Cite with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 80002 | 28/100 |
| 2 | 80004 | 28/100 |
| 3 | 80005 | 28/100 |
| 4 | 80007 | 28/100 |
| 5 | 80033 | 28/100 |
| 6 | 80127 | 28/100 |
| 7 | 80128 | 28/100 |
| 8 | 80214 | 28/100 |
| 9 | 80215 | 28/100 |
| 10 | 80226 | 28/100 |
| 11 | 80228 | 28/100 |
| 12 | 80232 | 28/100 |
Most distressed ZIP codes in Jefferson County (composite distress 0-100, 2026)
What is driving Jefferson County distress
Jefferson County's placement in the national index rests on public filings — a 26/100 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.
Jefferson County market phase and pricing
The cycle in Jefferson County is contraction, with values down 1.0% year over year and 1.2% below peak. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Jefferson County
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Frequently asked questions
Which ZIP code leads Jefferson County on distress?
ZIP 80002 leads Jefferson County at 28/100, recomputed monthly from public records.
Which phase does Jefferson County sit in right now?
Phase for Jefferson County: contraction, tracking a 1.0% decline year over year, read off the FHFA index.
Where does the Jefferson County data come from?
Jefferson County draws on FHFA (contraction trajectory), CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS — every one a public source. The scoring model does not change between counties, so these 34 ZIPs are comparable to anywhere else.
How much do distress scores vary between Jefferson County ZIP codes?
The county figure is a blend, not a description. Across the Jefferson County ZIPs DLRadar ranks, scores run from 28/100 in 80002 down to 28/100 in 80232, against a Jefferson County average of 26/100. With 0 points between best and worst, county-level targeting in Jefferson County wastes effort.
What do Jefferson County home values and vacancy say about distressed supply?
The typical Jefferson County home carries about $652,045 of value against a median household income near $110,617. Vacancy across Jefferson County's tracked ZIPs runs 7.3% and the poverty rate is 6.5%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Jefferson County's foreclosure and lien data and its 57/100 lending headwind.
Related
A deterministic scoring of public filings. Nothing on this page constitutes investment, legal or financial advice. Monthly refresh from the live index.