Otero County, CO Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Otero County, Colorado? DLRadar grades every Otero County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 24/100. Here is the 2026 Otero County breakdown.
- Otero County's most distressed ZIP is 81039 at 24/100.
- 7 ZIP codes tracked in Otero County, averaging 12/100 distress.
- Otero County reads peak — home values up 2.2% year over year.
- Vacancy runs 18.6% across Otero County's tracked ZIPs, with a 16.4% poverty rate.
- The typical Otero County home is worth about $155,950 against a ~$54,701 median income.
- Lending headwind in Otero County sits at 0/100 — a forward read on distressed supply.
Compiled from the DLRadar property-distress index and refreshed monthly. Cite with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 81039 | 24/100 |
| 2 | 81059 | 11/100 |
| 3 | 81030 | 10/100 |
| 4 | 81050 | 10/100 |
| 5 | 81067 | 10/100 |
| 6 | 81077 | 10/100 |
| 7 | 81058 | 9/100 |
Most distressed ZIP codes in Otero County (composite distress 0-100, 2026)
What is driving Otero County distress
Nothing here is estimated: Otero County is scored from filings alone, and its ZIPs average 12/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Otero County market phase and pricing
Otero County reads peak — home prices rose 2.2% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Otero County
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Questions about this county
Where is distress highest inside Otero County, CO?
ZIP 81039 leads Otero County at 24/100, recomputed monthly from public records.
What stage of the price cycle is Otero County at?
The market phase for Otero County is peak, prices rising 2.2% on the year — derived from the FHFA House Price Index path.
What is this Otero County analysis built from?
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 7 ZIP codes in Otero County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Otero County ZIP codes?
One county number flattens a wide range. Across the Otero County ZIPs DLRadar ranks, scores run from 24/100 in 81039 down to 9/100 in 81058, against a Otero County average of 12/100. The 15-point range is the argument for ZIP-level search across Otero County.
What do Otero County home values and vacancy say about distressed supply?
The typical Otero County home carries about $155,950 of value against a median household income near $54,701. Vacancy across Otero County's tracked ZIPs runs 18.6% and the poverty rate is 16.4%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Otero County's foreclosure and lien filings and its 0/100 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.