Lincoln County, CO Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Lincoln County, CO distress report, 2026: 11 ZIPs scored in Lincoln, CO, Lincoln, CO average 6/100; the top Lincoln, CO ZIP is 80828 at 15/100; Lincoln, CO market phase peak, Lincoln, CO prices +2.2% year over year.
- Lincoln, CO ranks #2,022 nationally (opportunity index); Lincoln, CO #26 in Colorado; Lincoln, CO index 27.6.
- Lincoln, CO: no CFPB county sample; Lincoln, CO non-metro area reading 0.8%.
- Lincoln, CO ZIP phases: 10 peak, 1 contraction.
- Lincoln, CO residential listings tracked: 6 across 7 ZIPs; Lincoln, CO candidate listings 0.
- Lincoln, CO lenders on watch: 4; largest Lincoln, CO footprint High Plains Bank (2 branches).
- Lincoln, CO most distressed ZIP: 80828 at 15/100.
Lincoln, CO figures: DLRadar distress index; Lincoln, CO inputs: CFPB, FHFA, HUD, FDIC; Lincoln, CO rebuilt as sources refresh.
| Rank | Lincoln, CO ZIP | Score |
|---|---|---|
| 1 | 80828 | 15/100 |
| 2 | 80832 | 14/100 |
| 3 | 80833 | 7/100 |
| 4 | 80818 | 6/100 |
| 5 | 81063 | 6/100 |
| 6 | 80804 | 5/100 |
| 7 | 80821 | 5/100 |
| 8 | 80823 | 5/100 |
| 9 | 80826 | 5/100 |
| 10 | 81021 | 2/100 |
| 11 | 81045 | 1/100 |
Most distressed Lincoln, CO ZIPs (0-100, 2026)
Mortgage delinquency around Lincoln, CO
No CFPB county sample covers Lincoln, CO; the non-metro area reading for Lincoln, CO: 0.8% ninety-plus; Lincoln, CO area thirty-to-eighty-nine 1.5% (December 2025, Lincoln, CO); Colorado overall 0.7%.
Opportunity index: Lincoln, CO
Lincoln, CO index 27.6, Lincoln, CO phase weak; Lincoln, CO primary driver vacancy, Lincoln, CO second driver bank institutional. Lincoln, CO components: property stress 15.8, foreclosure pressure 18.0, listing discounts 27.9, bank stress 46.5, insurance 0.0; Lincoln, CO pulse 29.3; Lincoln, CO capital opportunity 25.0.
ZIP market phases inside Lincoln, CO
11 Lincoln, CO ZIPs carry a price-cycle phase; Lincoln, CO ZIPs by phase (Lincoln, CO), deepest drawdown first: contraction, -0.8% YoY, 1.1% off peak (Lincoln, CO): 80832; peak, +0.7% YoY, 0.6% off peak (Lincoln, CO): 80828; peak, +1.6% YoY, 0.2% off peak (Lincoln, CO): 80833; peak, +2.2% YoY (Lincoln, CO): 80804, 80818, 80821, 80823, Lincoln, CO 80826, 81021, 81045, 81063.
Residential listings by Lincoln, CO ZIP
Lincoln, CO ZIPs with the most tracked Lincoln, CO residential listings: 80833 4 listings, 0 candidates, bank pressure 60; 80821 1 listings, 0 candidates, bank pressure 59; 80828 1 listings, 0 candidates, bank pressure 64; 80804 0 listings, 0 candidates, bank pressure 59 (Lincoln, CO); 80818 0 listings, 0 candidates, bank pressure 59; 80823 0 listings, 0 candidates, bank pressure 59; 80826 0 listings, 0 candidates, bank pressure 59. Lincoln, CO totals: 6 listings; Lincoln, CO candidates 0; active ZIPs 2.
Lenders with branches in Lincoln, CO
Lincoln, CO lenders by branch count: High Plains Bank (Lincoln, CO): stress 46, 2 branches low in Lincoln, CO; Equitable Savings&Loan Assn (Lincoln, CO): stress 68, 1 branch low in Lincoln, CO; Eastern Colorado Bank (Lincoln, CO): stress 63, 1 branch low in Lincoln, CO; Stockmens Bank (Lincoln, CO): stress 59, 1 branch low in Lincoln, CO.
Vacancy and permits, Lincoln, CO
411 of 2,382 Lincoln, CO housing units are vacant; Lincoln, CO permits, twelve months: 0 multifamily units in Lincoln, CO, 10 one-to-four unit units.
Work Lincoln, CO at the parcel level
Every Lincoln, CO parcel carries owner and address; every Lincoln, CO parcel carries APN; Lincoln, CO distress scores sit on the Lincoln, CO live board.
Lincoln, CO figures refresh with each source.
Lincoln, CO questions
Most distressed ZIP code in Lincoln County, CO?
ZIP 80828 leads Lincoln, CO at 15/100; next in Lincoln, CO: 80832 at 14/100; the Lincoln, CO average is 6/100.
Where does Lincoln County, CO rank for investment opportunity?
Lincoln, CO is #2,022 among all ranked counties, #26 in Colorado; the Lincoln, CO driver is vacancy; Lincoln, CO moved up 438 places.
How many mortgages are delinquent in Lincoln County, CO?
Lincoln, CO takes the non-metro area reading of 0.8% for December 2025; no CFPB county sample covers Lincoln, CO.
Which banks lend in Lincoln County, CO?
4 watched lenders hold Lincoln, CO branches; the largest Lincoln, CO footprints are High Plains Bank (2), Equitable Savings&Loan Assn (1), Eastern Colorado Bank (1).
More on Lincoln, CO
Lincoln County, CO distress report: public-record figures for Lincoln, CO; not legal advice for Lincoln, CO; not tax or investment advice; verify every Lincoln, CO record before acting.