Lake County, MT Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Lake County, Montana? DLRadar grades every Lake County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 14/100. Here is the 2026 Lake County breakdown.
- Lake County's most distressed ZIP is 59821 at 14/100.
- 15 ZIP codes tracked in Lake County, averaging 11/100 distress.
- Lake County reads peak — home values up 2.2% year over year.
- Vacancy runs 27.1% across Lake County's tracked ZIPs, with a 17.8% poverty rate.
- The typical Lake County home is worth about $499,875 against a ~$66,463 median income.
- Lending headwind in Lake County sits at 64/100 — a forward read on distressed supply.
Source: the DLRadar property-distress index, rebuilt monthly from public records. Cite it freely with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 59821 | 14/100 |
| 2 | 59845 | 13/100 |
| 3 | 59922 | 13/100 |
| 4 | 59911 | 11/100 |
| 5 | 59824 | 10/100 |
| 6 | 59855 | 10/100 |
| 7 | 59860 | 10/100 |
| 8 | 59863 | 10/100 |
| 9 | 59864 | 10/100 |
| 10 | 59865 | 10/100 |
| 11 | 59910 | 10/100 |
| 12 | 59914 | 10/100 |
Most distressed ZIP codes in Lake County (composite distress 0-100, 2026)
What is driving Lake County distress
The Lake County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 11/100 ZIP average. No proprietary or modelled inputs enter the score.
Lake County market phase and pricing
Lake County reads peak — home prices rose 2.2% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Lake County
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Questions and answers
What is the most distressed ZIP code in Lake County, MT?
ZIP 59821 leads Lake County at 14/100, recomputed monthly from public records.
Which phase does Lake County sit in right now?
FHFA price-index movement places Lake County in peak; prices are up 2.2% over twelve months.
Where does the Lake County data come from?
Each Lake 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 15 local ZIPs and every other county in the country.
How much do distress scores vary between Lake County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Lake County ZIPs DLRadar ranks, scores run from 14/100 in 59821 down to 10/100 in 59914, against a Lake County average of 11/100. That 4-point gap is why acquisition targeting in Lake County works at ZIP level rather than county level.
What do Lake County home values and vacancy say about distressed supply?
The typical Lake County home carries about $499,875 of value against a median household income near $66,463. Vacancy across Lake County's tracked ZIPs runs 27.1% and the poverty rate is 17.8%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Lake County's foreclosure and lien data and its 64/100 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.