Montrose County, CO Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Montrose County, CO distress report, 2026: 12 ZIPs scored in Montrose, CO, Montrose, CO average 12/100; the top Montrose, CO ZIP is 81416 at 14/100; Montrose, CO market phase contraction, Montrose, CO prices -0.3% year over year.
- Montrose, CO ranks #2,974 nationally (opportunity index); Montrose, CO #56 in Colorado; Montrose, CO index 23.4.
- Montrose, CO: no CFPB county sample; Montrose, CO non-metro area reading 0.8%.
- Montrose, CO ZIP phases: 6 peak, 6 contraction.
- Montrose, CO residential listings tracked: 9 across 8 ZIPs; Montrose, CO candidate listings 3.
- Montrose, CO HUD assisted properties: 4 with 149 units.
- Montrose, CO lenders on watch: 6; largest Montrose, CO footprint Citizens State Bank Of Ouray (2 branches).
- Montrose, CO most distressed ZIP: 81416 at 14/100.
Montrose, CO figures: DLRadar distress index; Montrose, CO inputs: CFPB, FHFA, HUD, FDIC; Montrose, CO rebuilt as sources refresh.
| Rank | Montrose, CO ZIP | Score |
|---|---|---|
| 1 | 81416 | 14/100 |
| 2 | 81220 | 13/100 |
| 3 | 81403 | 12/100 |
| 4 | 81415 | 12/100 |
| 5 | 81423 | 12/100 |
| 6 | 81401 | 11/100 |
| 7 | 81411 | 11/100 |
| 8 | 81422 | 11/100 |
| 9 | 81424 | 11/100 |
| 10 | 81425 | 11/100 |
| 11 | 81429 | 11/100 |
| 12 | 81431 | 11/100 |
Most distressed Montrose, CO ZIPs (0-100, 2026)
Mortgage delinquency around Montrose, CO
No CFPB county sample covers Montrose, CO; the non-metro area reading for Montrose, CO: 0.8% ninety-plus; Montrose, CO area thirty-to-eighty-nine 1.5% (December 2025, Montrose, CO); Colorado overall 0.7%.
Opportunity index: Montrose, CO
Montrose, CO index 23.4, Montrose, CO phase weak; Montrose, CO primary driver bank institutional, Montrose, CO second driver vacancy. Montrose, CO components: property stress 15.9, foreclosure pressure 18.6, listing discounts 12.7, bank stress 52.9, insurance 0.0; Montrose, CO pulse 27.2; Montrose, CO capital opportunity 17.7.
ZIP market phases inside Montrose, CO
12 Montrose, CO ZIPs carry a price-cycle phase; Montrose, CO ZIPs by phase (Montrose, CO), deepest drawdown first: contraction, -0.3% YoY, 0.7% off peak (Montrose, CO): 81401, 81411, 81422, 81424, Montrose, CO 81425, 81429; peak, +0.5% YoY, 0.5% off peak (Montrose, CO): 81403; peak, +0.7% YoY, 0.4% off peak (Montrose, CO): 81415; peak, +1.1% YoY, 0.3% off peak (Montrose, CO): 81416; peak, +1.3% YoY, 0.2% off peak (Montrose, CO): 81431; peak, +1.5% YoY, 0.2% off peak (Montrose, CO): 81220; peak, +1.9% YoY, 0.1% off peak (Montrose, CO): 81423.
Residential listings by Montrose, CO ZIP
Montrose, CO ZIPs with the most tracked Montrose, CO residential listings: 81403 5 listings, 2 candidates, bank pressure 68; 81401 2 listings, 1 candidates, bank pressure 67; 81415 1 listings, 0 candidates, bank pressure 67; 81425 1 listings, 0 candidates, bank pressure 67 (Montrose, CO); 81411 0 listings, 0 candidates, bank pressure 67; 81422 0 listings, 0 candidates, bank pressure 67; 81424 0 listings, 0 candidates, bank pressure 67; 81429 0 listings, 0 candidates, bank pressure 67. Montrose, CO totals: 9 listings; Montrose, CO candidates 3; active ZIPs 4.
HUD assisted housing in Montrose, CO
4 assisted properties with 149 units sit in Montrose, CO; largest Montrose, CO properties: Anciano Towers (Montrose) 50 units, 50 assisted; Centennial Tower (Montrose) 41 units, 40 assisted; Cimarron Village (Montrose) 30 units, 30 assisted in Montrose, CO; Meadowlark Court Apts (Montrose) 28 units, 27 assisted.
Lenders with branches in Montrose, CO
Montrose, CO lenders by branch count: Citizens State Bank Of Ouray (Montrose, CO): stress 89, 2 branches low in Montrose, CO; Bank Of Colorado (Montrose, CO): stress 63, 2 branches moderate in Montrose, CO; Home Loan State Bank (Montrose, CO): stress 83, 1 branch elevated in Montrose, CO; Alpine Bank (Montrose, CO): stress 62, 1 branch moderate in Montrose, CO; Nbh Bank (Montrose, CO): stress 57, 1 branch moderate in Montrose, CO; Timberline Bank (Montrose, CO): stress 54, 1 branch moderate in Montrose, CO.
Vacancy and permits, Montrose, CO
1,689 of 19,758 Montrose, CO housing units are vacant; Montrose, CO permits, twelve months: 70 multifamily units in Montrose, CO, 222 one-to-four unit units.
Work Montrose, CO at the parcel level
Every Montrose, CO parcel carries owner and address; every Montrose, CO parcel carries APN; Montrose, CO distress scores sit on the Montrose, CO live board.
Montrose, CO figures refresh with each source.
Montrose, CO questions
Most distressed ZIP code in Montrose County, CO?
ZIP 81416 leads Montrose, CO at 14/100; next in Montrose, CO: 81220 at 13/100; the Montrose, CO average is 12/100.
Where does Montrose County, CO rank for investment opportunity?
Montrose, CO is #2,974 among all ranked counties, #56 in Colorado; the Montrose, CO driver is bank institutional; Montrose, CO moved down 159 places.
How many mortgages are delinquent in Montrose County, CO?
Montrose, CO takes the non-metro area reading of 0.8% for December 2025; no CFPB county sample covers Montrose, CO.
Which banks lend in Montrose County, CO?
6 watched lenders hold Montrose, CO branches; the largest Montrose, CO footprints are Citizens State Bank Of Ouray (2), Bank Of Colorado (2), Home Loan State Bank (1).
More on Montrose, CO
Montrose County, CO distress report: public-record figures for Montrose, CO; not legal advice for Montrose, CO; not tax or investment advice; verify every Montrose, CO record before acting.