Montezuma County, CO Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Montezuma County, Colorado? DLRadar grades every Montezuma County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 16/100. Here is the 2026 Montezuma County breakdown.
- Montezuma County's most distressed ZIP is 81328 at 16/100.
- 8 ZIP codes tracked in Montezuma County, averaging 13/100 distress.
- Montezuma County reads peak — home values up 2.2% year over year.
- Vacancy runs 13.2% across Montezuma County's tracked ZIPs, with a 18.3% poverty rate.
- The typical Montezuma County home is worth about $357,400 against a ~$61,946 median income.
- Lending headwind in Montezuma County sits at 16/100 — a forward read on distressed supply.
Numbers from the DLRadar public-record distress index, refreshed each month. Quote them freely with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 81328 | 16/100 |
| 2 | 81321 | 12/100 |
| 3 | 81323 | 12/100 |
| 4 | 81327 | 12/100 |
| 5 | 81330 | 12/100 |
| 6 | 81331 | 12/100 |
| 7 | 81334 | 12/100 |
| 8 | 81335 | 12/100 |
Most distressed ZIP codes in Montezuma County (composite distress 0-100, 2026)
What is driving Montezuma County distress
The Montezuma County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 13/100 ZIP average. No proprietary or modelled inputs enter the score.
Montezuma County market phase and pricing
DLRadar places Montezuma County in peak; prices moved up 2.2% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Montezuma County
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Frequently asked questions
What is the hardest-hit ZIP in Montezuma County?
ZIP 81328 leads Montezuma County at 16/100, recomputed monthly from public records.
What market phase is Montezuma County in?
The market phase for Montezuma County is peak, prices rising 2.2% on the year — derived from the FHFA House Price Index path.
What are the sources behind these Montezuma County numbers?
The inputs are all public: FHFA for the peak path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 8 ZIP codes in Montezuma County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Montezuma County ZIP codes?
The county figure is a blend, not a description. Across the Montezuma County ZIPs DLRadar ranks, scores run from 16/100 in 81328 down to 12/100 in 81335, against a Montezuma County average of 13/100. With 4 points between best and worst, county-level targeting in Montezuma County wastes effort.
What do Montezuma County home values and vacancy say about distressed supply?
The typical Montezuma County home carries about $357,400 of value against a median household income near $61,946. Vacancy across Montezuma County's tracked ZIPs runs 13.2% and the poverty rate is 18.3%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Montezuma County's foreclosure and lien data and its 16/100 lending headwind.
Related
These scores come from public filings run through fixed formulas. Nothing here is investment, legal or financial advice; the index refreshes monthly.