Mckinley County, NM Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Mckinley County, New Mexico? DLRadar grades every Mckinley County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 23/100. Here is the 2026 Mckinley County breakdown.
- Mckinley County's most distressed ZIP is 87013 at 23/100.
- 25 ZIP codes tracked in Mckinley County, averaging 20/100 distress.
- Mckinley County reads peak — home values up 1.9% year over year.
- Vacancy runs 22.2% across Mckinley County's tracked ZIPs, with a 35% poverty rate.
- The typical Mckinley County home is worth about $80,800 against a ~$48,006 median income.
- Lending headwind in Mckinley County sits at 68/100 — 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 | 87013 | 23/100 |
| 2 | 87020 | 22/100 |
| 3 | 87328 | 22/100 |
| 4 | 87321 | 21/100 |
| 5 | 87325 | 21/100 |
| 6 | 86504 | 20/100 |
| 7 | 87045 | 20/100 |
| 8 | 87301 | 20/100 |
| 9 | 87305 | 20/100 |
| 10 | 87310 | 20/100 |
| 11 | 87311 | 20/100 |
| 12 | 87312 | 20/100 |
Most distressed ZIP codes in Mckinley County (composite distress 0-100, 2026)
What is driving Mckinley County distress
Nothing here is estimated: Mckinley County is scored from filings alone, and its ZIPs average 20/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Mckinley County market phase and pricing
Mckinley County currently sits in peak after a 1.9% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
See the distressed properties behind the data in Mckinley County
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What people ask
Which part of Mckinley County, NM scores highest for distress?
ZIP 87013 leads Mckinley County at 23/100, recomputed monthly from public records.
What market phase is Mckinley County in?
Phase for Mckinley County: peak, tracking a 1.9% gain year over year, read off the FHFA index.
How is the Mckinley County data sourced?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 25 Mckinley County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Mckinley County ZIP codes?
The county figure is a blend, not a description. Across the Mckinley County ZIPs DLRadar ranks, scores run from 23/100 in 87013 down to 20/100 in 87312, against a Mckinley County average of 20/100. Because the gap runs to 3 points, Mckinley County rewards ZIP-level precision.
What do Mckinley County home values and vacancy say about distressed supply?
The typical Mckinley County home carries about $80,800 of value against a median household income near $48,006. Vacancy across Mckinley County's tracked ZIPs runs 22.2% and the poverty rate is 35%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Mckinley County's foreclosure and tax-lien filings and its 68/100 lending headwind.
Related
Every score is formula-driven and sourced from public records. Treat it as research, not investment, legal or financial advice. Monthly refresh.