Moffat County, CO Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Moffat County, Colorado? DLRadar grades every Moffat County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 16/100. Here is the 2026 Moffat County breakdown.
- Moffat County's most distressed ZIP is 81653 at 16/100.
- 7 ZIP codes tracked in Moffat County, averaging 10/100 distress.
- Moffat County reads contraction — home values down 0.3% year over year, 0.7% off peak.
- Vacancy runs 30.5% across Moffat County's tracked ZIPs, with a 18.1% poverty rate.
- The typical Moffat County home is worth about $396,667 against a ~$71,630 median income.
- Lending headwind in Moffat County sits at 41/100 — a forward read on distressed supply.
Figures: DLRadar distress index, rebuilt monthly from public filings. Free to reuse with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 81653 | 16/100 |
| 2 | 81641 | 15/100 |
| 3 | 81638 | 13/100 |
| 4 | 81610 | 7/100 |
| 5 | 81625 | 7/100 |
| 6 | 81633 | 7/100 |
| 7 | 81640 | 7/100 |
Most distressed ZIP codes in Moffat County (composite distress 0-100, 2026)
What is driving Moffat County distress
Nothing here is estimated: Moffat County is scored from filings alone, and its ZIPs average 10/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Moffat County market phase and pricing
The cycle in Moffat County is contraction, with values down 0.3% year over year and 0.7% below peak. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Moffat County
Everything summarised here for Moffat County is free. Start a trial to see the scored parcels, owners and filings underneath — nothing charged today.
No card charged today · explore every module with live data.
Frequently asked questions
What is the most distressed ZIP code in Moffat County, CO?
ZIP 81653 leads Moffat County at 16/100, recomputed monthly from public records.
How would you describe the Moffat County market phase?
The market phase for Moffat County is contraction, prices falling 0.3% on the year — derived from the FHFA House Price Index path.
What is this Moffat County analysis built from?
Moffat County draws on FHFA (contraction trajectory), CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS — every one a public source. The scoring model does not change between counties, so these 7 ZIPs are comparable to anywhere else.
How much do distress scores vary between Moffat County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Moffat County ZIPs DLRadar ranks, scores run from 16/100 in 81653 down to 7/100 in 81640, against a Moffat County average of 10/100. With 9 points between best and worst, county-level targeting in Moffat County wastes effort.
What do Moffat County home values and vacancy say about distressed supply?
The typical Moffat County home carries about $396,667 of value against a median household income near $71,630. Vacancy across Moffat County's tracked ZIPs runs 30.5% and the poverty rate is 18.1%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Moffat County's filings and its 41/100 lending headwind.
Related
DLRadar scores property distress from public records by deterministic formulas — not investment, legal, or financial advice. Figures refresh monthly from the live index.