Montrose County, CO Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Montrose County, Colorado? DLRadar grades every Montrose County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 14/100. Here is the 2026 Montrose County breakdown.
- Montrose County's most distressed ZIP is 81220 at 14/100.
- 12 ZIP codes tracked in Montrose County, averaging 13/100 distress.
- Montrose County reads contraction — home values down 0.3% year over year, 0.7% off peak.
- Vacancy runs 23.8% across Montrose County's tracked ZIPs, with a 11% poverty rate.
- The typical Montrose County home is worth about $366,830 against a ~$63,352 median income.
- Lending headwind in Montrose County sits at 75/100 — a forward read on distressed supply.
Source: the DLRadar property-distress index, rebuilt monthly from public records. Cite it freely with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 81220 | 14/100 |
| 2 | 81416 | 14/100 |
| 3 | 81415 | 13/100 |
| 4 | 81423 | 13/100 |
| 5 | 81401 | 12/100 |
| 6 | 81403 | 12/100 |
| 7 | 81411 | 12/100 |
| 8 | 81422 | 12/100 |
| 9 | 81424 | 12/100 |
| 10 | 81425 | 12/100 |
| 11 | 81429 | 12/100 |
| 12 | 81431 | 12/100 |
Most distressed ZIP codes in Montrose County (composite distress 0-100, 2026)
What is driving Montrose County distress
The Montrose 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.
Montrose County market phase and pricing
Montrose County reads contraction — home prices fell 0.3% over the last year and are 0.7% off their peak. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
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Questions about this county
What is the most distressed ZIP code in Montrose County, CO?
ZIP 81220 leads Montrose County at 14/100, recomputed monthly from public records.
What stage of the price cycle is Montrose County at?
Phase for Montrose County: contraction, tracking a 0.3% decline year over year, read off the FHFA index.
What is this Montrose County analysis built from?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 12 Montrose County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Montrose County ZIP codes?
A single county score papers over real variation. Across the Montrose County ZIPs DLRadar ranks, scores run from 14/100 in 81220 down to 12/100 in 81431, against a Montrose County average of 13/100. A spread of 2 points means Montrose County has to be worked ZIP by ZIP.
What do Montrose County home values and vacancy say about distressed supply?
The typical Montrose County home carries about $366,830 of value against a median household income near $63,352. Vacancy across Montrose County's tracked ZIPs runs 23.8% and the poverty rate is 11%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Montrose County's foreclosure and tax-lien record and its 75/100 lending headwind.
Related
A deterministic scoring of public filings. Nothing on this page constitutes investment, legal or financial advice. Monthly refresh from the live index.