Lincoln County, NM Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Lincoln County, NM distress report, 2026: 18 ZIPs scored in Lincoln, NM, Lincoln, NM average 34/100; the top Lincoln, NM ZIP is 88301 at 36/100; Lincoln, NM market phase peak, Lincoln, NM prices +1.9% year over year.
- Lincoln, NM ranks #166 nationally (opportunity index); Lincoln, NM #1 in New Mexico; Lincoln, NM index 36.2.
- Lincoln, NM: no CFPB county sample; Lincoln, NM state reading 1.1%.
- Lincoln, NM ZIP phases: 18 peak.
- Lincoln, NM residential listings tracked: 91 across 15 ZIPs; Lincoln, NM candidate listings 38.
- Lincoln, NM HUD assisted properties: 2 with 145 units.
- Lincoln, NM lenders on watch: 2; largest Lincoln, NM footprint First National Bank (1 branch).
- Lincoln, NM most distressed ZIP: 88301 at 36/100.
Lincoln, NM figures: DLRadar distress index; Lincoln, NM inputs: CFPB, FHFA, HUD, FDIC; Lincoln, NM rebuilt as sources refresh.
| Rank | Lincoln, NM ZIP | Score |
|---|---|---|
| 1 | 88301 | 36/100 |
| 2 | 88312 | 36/100 |
| 3 | 88316 | 36/100 |
| 4 | 88323 | 36/100 |
| 5 | 88324 | 36/100 |
| 6 | 88336 | 36/100 |
| 7 | 88338 | 36/100 |
| 8 | 88341 | 36/100 |
| 9 | 88343 | 36/100 |
| 10 | 88345 | 36/100 |
| 11 | 88346 | 36/100 |
| 12 | 88348 | 36/100 |
Most distressed Lincoln, NM ZIPs (0-100, 2026)
Mortgage delinquency around Lincoln, NM
No CFPB county sample covers Lincoln, NM; the state reading for Lincoln, NM: 1.1% ninety-plus; Lincoln, NM area thirty-to-eighty-nine 2.4% (December 2025, Lincoln, NM).
Opportunity index: Lincoln, NM
Lincoln, NM index 36.2, Lincoln, NM phase peak_opportunity; Lincoln, NM primary driver vacancy, Lincoln, NM second driver construction. Lincoln, NM components: property stress 33.2, foreclosure pressure 35.1, listing discounts 30.0, bank stress 38.6, insurance 0.0; Lincoln, NM pulse 39.6; Lincoln, NM capital opportunity 31.0; Lincoln, NM seven-day change -0.8%.
ZIP market phases inside Lincoln, NM
18 Lincoln, NM ZIPs carry a price-cycle phase; Lincoln, NM ZIPs by phase (Lincoln, NM), deepest drawdown first: peak, +1.3% YoY (Lincoln, NM): 87011; peak, +1.4% YoY (Lincoln, NM): 88136; peak, +1.9% YoY (Lincoln, NM): 88201, 88301, 88312, 88316, Lincoln, NM 88323, 88324, 88336, 88338, Lincoln, NM 88341, 88343, 88345, 88346, Lincoln, NM 88348; peak, +2.0% YoY (Lincoln, NM): 88318.
Residential listings by Lincoln, NM ZIP
Lincoln, NM ZIPs with the most tracked Lincoln, NM residential listings: 88345 68 listings, 24 candidates, bank pressure 54; 88312 15 listings, 9 candidates, bank pressure 54; 88301 7 listings, 4 candidates, bank pressure 57; 88318 1 listings, 1 candidates, bank pressure 59 (Lincoln, NM); 88316 0 listings, 0 candidates, bank pressure 54; 88323 0 listings, 0 candidates, bank pressure 54; 88324 0 listings, 0 candidates, bank pressure 54; 88336 0 listings, 0 candidates, bank pressure 54. Lincoln, NM totals: 91 listings; Lincoln, NM candidates 38; active ZIPs 0.
HUD assisted housing in Lincoln, NM
2 assisted properties with 145 units sit in Lincoln, NM; largest Lincoln, NM properties: Ruidoso Care Center-Ua Only (Ruidoso) 85 units; Ladera Courts (Ruidoso Downs) 60 units.
Lenders with branches in Lincoln, NM
Lincoln, NM lenders by branch count: First National Bank (Lincoln, NM): stress 80, 1 branch low in Lincoln, NM; Pioneer Bank (Lincoln, NM): stress 37, 1 branch low in Lincoln, NM.
Vacancy and permits, Lincoln, NM
7,871 of 17,871 Lincoln, NM housing units are vacant; Lincoln, NM permits, twelve months: 0 multifamily units in Lincoln, NM, 78 one-to-four unit units.
Work Lincoln, NM at the parcel level
Every Lincoln, NM parcel carries owner and address; every Lincoln, NM parcel carries APN; Lincoln, NM distress scores sit on the Lincoln, NM live board.
Lincoln, NM figures refresh with each source.
Lincoln, NM questions
Most distressed ZIP code in Lincoln County, NM?
ZIP 88301 leads Lincoln, NM at 36/100; next in Lincoln, NM: 88312 at 36/100; the Lincoln, NM average is 34/100.
Where does Lincoln County, NM rank for investment opportunity?
Lincoln, NM is #166 among all ranked counties, #1 in New Mexico; the Lincoln, NM driver is vacancy; Lincoln, NM moved up 75 places.
How many mortgages are delinquent in Lincoln County, NM?
Lincoln, NM takes the state reading of 1.1% for December 2025; no CFPB county sample covers Lincoln, NM.
Which banks lend in Lincoln County, NM?
2 watched lenders hold Lincoln, NM branches; the largest Lincoln, NM footprints are First National Bank (1), Pioneer Bank (1).
More on Lincoln, NM
Lincoln County, NM distress report: public-record figures for Lincoln, NM; not legal advice for Lincoln, NM; not tax or investment advice; verify every Lincoln, NM record before acting.