La Plata County, CO Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in La Plata County, Colorado? DLRadar grades every La Plata County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 28/100. Here is the 2026 La Plata County breakdown.
- La Plata County's most distressed ZIP is 81137 at 28/100.
- 6 ZIP codes tracked in La Plata County, averaging 25/100 distress.
- La Plata County reads contraction — home values down 0.3% year over year, 0.7% off peak.
- Vacancy runs 16.8% across La Plata County's tracked ZIPs, with a 10.6% poverty rate.
- The typical La Plata County home is worth about $509,917 against a ~$83,655 median income.
- Lending headwind in La Plata County sits at 48/100 — a forward read on distressed supply.
Numbers from the DLRadar public-record distress index, refreshed each month. Quote them freely with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 81137 | 28/100 |
| 2 | 81303 | 27/100 |
| 3 | 81326 | 27/100 |
| 4 | 81122 | 25/100 |
| 5 | 81301 | 24/100 |
| 6 | 81328 | 16/100 |
Most distressed ZIP codes in La Plata County (composite distress 0-100, 2026)
What is driving La Plata County distress
La Plata County's placement in the national index rests on public filings — a 25/100 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.
La Plata County market phase and pricing
DLRadar places La Plata County in contraction; prices moved down 0.3% over the year and remain 0.7% under peak. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in La Plata County
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Frequently asked
Which La Plata County ZIP scores worst for distress?
ZIP 81137 leads La Plata County at 28/100, recomputed monthly from public records.
What market phase is La Plata County in?
La Plata County reads contraction, with home prices down 0.3% year over year. Phase comes from FHFA House Price Index trajectory.
Where does the La Plata County data come from?
La Plata 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 6 ZIPs are comparable to anywhere else.
How much do distress scores vary between La Plata County ZIP codes?
County-level numbers smooth away the detail that matters. Across the La Plata County ZIPs DLRadar ranks, scores run from 28/100 in 81137 down to 16/100 in 81328, against a La Plata County average of 25/100. That 12-point gap is why acquisition targeting in La Plata County works at ZIP level rather than county level.
What do La Plata County home values and vacancy say about distressed supply?
The typical La Plata County home carries about $509,917 of value against a median household income near $83,655. Vacancy across La Plata County's tracked ZIPs runs 16.8% and the poverty rate is 10.6%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against La Plata County's foreclosure and tax-lien filings and its 48/100 lending headwind.
Related
Scores here are computed from public records by fixed formulas. Nothing on this page is investment, legal or financial advice; the index refreshes monthly.