Montezuma County, CO Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Montezuma County, CO distress report, 2026: 8 ZIPs scored in Montezuma, CO, Montezuma, CO average 13/100; the top Montezuma, CO ZIP is 81328 at 17/100; Montezuma, CO market phase peak, Montezuma, CO prices +2.2% year over year.
- Montezuma, CO ranks #2,933 nationally (opportunity index); Montezuma, CO #52 in Colorado; Montezuma, CO index 23.6.
- Montezuma, CO: no CFPB county sample; Montezuma, CO non-metro area reading 0.8%.
- Montezuma, CO ZIP phases: 8 peak.
- Montezuma, CO residential listings tracked: 7 across 7 ZIPs; Montezuma, CO candidate listings 2.
- Montezuma, CO HUD assisted properties: 1 with 48 units.
- Montezuma, CO lenders on watch: 3; largest Montezuma, CO footprint Dolores State Bank (4 branches).
- Montezuma, CO most distressed ZIP: 81328 at 17/100.
Montezuma, CO figures: DLRadar distress index; Montezuma, CO inputs: CFPB, FHFA, HUD, FDIC; Montezuma, CO rebuilt as sources refresh.
| Rank | Montezuma, CO ZIP | Score |
|---|---|---|
| 1 | 81328 | 17/100 |
| 2 | 81323 | 15/100 |
| 3 | 81321 | 12/100 |
| 4 | 81327 | 12/100 |
| 5 | 81330 | 12/100 |
| 6 | 81331 | 12/100 |
| 7 | 81334 | 12/100 |
| 8 | 81335 | 12/100 |
Most distressed Montezuma, CO ZIPs (0-100, 2026)
Mortgage delinquency around Montezuma, CO
No CFPB county sample covers Montezuma, CO; the non-metro area reading for Montezuma, CO: 0.8% ninety-plus; Montezuma, CO area thirty-to-eighty-nine 1.5% (December 2025, Montezuma, CO); Colorado overall 0.7%.
Opportunity index: Montezuma, CO
Montezuma, CO index 23.6, Montezuma, CO phase weak; Montezuma, CO primary driver vacancy, Montezuma, CO second driver bank institutional. Montezuma, CO components: property stress 13.9, foreclosure pressure 15.5, listing discounts 12.7, bank stress 54.8, insurance 0.0; Montezuma, CO pulse 28.0; Montezuma, CO capital opportunity 16.9; Montezuma, CO seven-day change +0.1%.
ZIP market phases inside Montezuma, CO
8 Montezuma, CO ZIPs carry a price-cycle phase; Montezuma, CO ZIPs by phase (Montezuma, CO), deepest drawdown first: peak, +2.0% YoY, 0.1% off peak (Montezuma, CO): 81328; peak, +2.2% YoY (Montezuma, CO): 81321, 81323, 81327, 81330, Montezuma, CO 81331, 81334, 81335.
Residential listings by Montezuma, CO ZIP
Montezuma, CO ZIPs with the most tracked Montezuma, CO residential listings: 81328 5 listings, 2 candidates, bank pressure 61; 81321 2 listings, 0 candidates, bank pressure 61; 81327 0 listings, 0 candidates, bank pressure 61; 81330 0 listings, 0 candidates, bank pressure 61 (Montezuma, CO); 81331 0 listings, 0 candidates, bank pressure 61; 81334 0 listings, 0 candidates, bank pressure 61; 81335 0 listings, 0 candidates, bank pressure 61. Montezuma, CO totals: 7 listings; Montezuma, CO candidates 2; active ZIPs 2.
HUD assisted housing in Montezuma, CO
1 assisted properties with 48 units sit in Montezuma, CO; largest Montezuma, CO properties: Brubaker Apartments (Cortez) 48 units.
Lenders with branches in Montezuma, CO
Montezuma, CO lenders by branch count: Dolores State Bank (Montezuma, CO): stress 36, 4 branches low in Montezuma, CO; First National Bank Cortez (Montezuma, CO): stress 81, 1 branch low in Montezuma, CO; First Southwest Bank (Montezuma, CO): stress 67, 1 branch low in Montezuma, CO.
Vacancy and permits, Montezuma, CO
1,106 of 12,375 Montezuma, CO housing units are vacant; Montezuma, CO permits, twelve months: 0 multifamily units in Montezuma, CO, 22 one-to-four unit units.
Work Montezuma, CO at the parcel level
Every Montezuma, CO parcel carries owner and address; every Montezuma, CO parcel carries APN; Montezuma, CO distress scores sit on the Montezuma, CO live board.
Montezuma, CO figures refresh with each source.
Montezuma, CO questions
Most distressed ZIP code in Montezuma County, CO?
ZIP 81328 leads Montezuma, CO at 17/100; next in Montezuma, CO: 81323 at 15/100; the Montezuma, CO average is 13/100.
Where does Montezuma County, CO rank for investment opportunity?
Montezuma, CO is #2,933 among all ranked counties, #52 in Colorado; the Montezuma, CO driver is vacancy; Montezuma, CO moved down 208 places.
How many mortgages are delinquent in Montezuma County, CO?
Montezuma, CO takes the non-metro area reading of 0.8% for December 2025; no CFPB county sample covers Montezuma, CO.
Which banks lend in Montezuma County, CO?
3 watched lenders hold Montezuma, CO branches; the largest Montezuma, CO footprints are Dolores State Bank (4), First National Bank Cortez (1), First Southwest Bank (1).
More on Montezuma, CO
Montezuma County, CO distress report: public-record figures for Montezuma, CO; not legal advice for Montezuma, CO; not tax or investment advice; verify every Montezuma, CO record before acting.