Larimer County, CO Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Larimer County, Colorado? DLRadar grades every Larimer County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 26/100. Here is the 2026 Larimer County breakdown.
- Larimer County's most distressed ZIP is 80512 at 26/100.
- 24 ZIP codes tracked in Larimer County, averaging 25/100 distress.
- Larimer County reads neutral — home values up 0.2% year over year, 0.9% off peak.
- Vacancy runs 18.6% across Larimer County's tracked ZIPs, with a 7.7% poverty rate.
- The typical Larimer County home is worth about $574,317 against a ~$99,202 median income.
- Lending headwind in Larimer County sits at 43/100 — a forward read on distressed supply.
Figures come from DLRadar's public-record distress index and refresh every month. Free to quote with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 80512 | 26/100 |
| 2 | 80515 | 26/100 |
| 3 | 80517 | 26/100 |
| 4 | 80521 | 26/100 |
| 5 | 80525 | 26/100 |
| 6 | 80526 | 26/100 |
| 7 | 80528 | 26/100 |
| 8 | 80532 | 26/100 |
| 9 | 80535 | 26/100 |
| 10 | 80536 | 26/100 |
| 11 | 80537 | 26/100 |
| 12 | 80538 | 26/100 |
Most distressed ZIP codes in Larimer County (composite distress 0-100, 2026)
What is driving Larimer County distress
Nothing here is estimated: Larimer County is scored from filings alone, and its ZIPs average 25/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Larimer County market phase and pricing
Phase for Larimer County: neutral (+0.2% YoY, 0.9% off peak). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Larimer County
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Frequently asked
Which Larimer County ZIP scores worst for distress?
ZIP 80512 leads Larimer County at 26/100, recomputed monthly from public records.
Is Larimer County expanding or contracting?
Larimer County reads neutral, with home prices up 0.2% year over year. Phase comes from FHFA House Price Index trajectory.
What is this Larimer County analysis built from?
Each Larimer 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 24 local ZIPs and every other county in the country.
How much do distress scores vary between Larimer County ZIP codes?
A single county score papers over real variation. Across the Larimer County ZIPs DLRadar ranks, scores run from 26/100 in 80512 down to 26/100 in 80538, against a Larimer County average of 25/100. Because the gap runs to 0 points, Larimer County rewards ZIP-level precision.
What do Larimer County home values and vacancy say about distressed supply?
The typical Larimer County home carries about $574,317 of value against a median household income near $99,202. Vacancy across Larimer County's tracked ZIPs runs 18.6% and the poverty rate is 7.7%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Larimer County's foreclosure and lien filings and its 43/100 lending headwind.
Related
Produced by fixed formulas over public records — research, not investment, legal or financial advice. The underlying index updates monthly.