Otero County, CO Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Otero County, CO distress report, 2026: 7 ZIPs scored in Otero, CO, Otero, CO average 14/100; the top Otero, CO ZIP is 81039 at 26/100; Otero, CO market phase peak, Otero, CO prices +2.2% year over year.
- Otero, CO ranks #2,346 nationally (opportunity index); Otero, CO #36 in Colorado; Otero, CO index 26.5.
- Otero, CO: no CFPB county sample; Otero, CO non-metro area reading 0.8%.
- Otero, CO ZIP phases: 6 peak, 1 contraction.
- Otero, CO residential listings tracked: 10 across 5 ZIPs; Otero, CO candidate listings 4.
- Otero, CO HUD assisted properties: 5 with 109 units.
- Otero, CO lenders on watch: 5; largest Otero, CO footprint Pb&T Bank (4 branches).
- Otero, CO most distressed ZIP: 81039 at 26/100.
Otero, CO figures: DLRadar distress index; Otero, CO inputs: CFPB, FHFA, HUD, FDIC; Otero, CO rebuilt as sources refresh.
| Rank | Otero, CO ZIP | Score |
|---|---|---|
| 1 | 81039 | 26/100 |
| 2 | 81030 | 12/100 |
| 3 | 81050 | 12/100 |
| 4 | 81067 | 12/100 |
| 5 | 81077 | 12/100 |
| 6 | 81058 | 11/100 |
| 7 | 81059 | 11/100 |
Most distressed Otero, CO ZIPs (0-100, 2026)
Mortgage delinquency around Otero, CO
No CFPB county sample covers Otero, CO; the non-metro area reading for Otero, CO: 0.8% ninety-plus; Otero, CO area thirty-to-eighty-nine 1.5% (December 2025, Otero, CO); Colorado overall 0.7%.
Opportunity index: Otero, CO
Otero, CO index 26.5, Otero, CO phase weak; Otero, CO primary driver vacancy, Otero, CO second driver construction. Otero, CO components: property stress 12.3, foreclosure pressure 12.6, listing discounts 27.9, bank stress 49.5, insurance 0.0; Otero, CO pulse 28.4; Otero, CO capital opportunity 23.7.
ZIP market phases inside Otero, CO
7 Otero, CO ZIPs carry a price-cycle phase; Otero, CO ZIPs by phase (Otero, CO), deepest drawdown first: contraction, -1.2% YoY, 2.4% off peak (Otero, CO): 81039; peak, +2.2% YoY (Otero, CO): 81030, 81050, 81058, 81059, Otero, CO 81067, 81077.
Residential listings by Otero, CO ZIP
Otero, CO ZIPs with the most tracked Otero, CO residential listings: 81050 6 listings, 2 candidates, bank pressure 52; 81067 3 listings, 2 candidates, bank pressure 54; 81077 1 listings, 0 candidates, bank pressure 54; 81030 0 listings, 0 candidates, bank pressure 54 (Otero, CO); 81058 0 listings, 0 candidates, bank pressure 53. Otero, CO totals: 10 listings; Otero, CO candidates 4; active ZIPs 1.
HUD assisted housing in Otero, CO
5 assisted properties with 109 units sit in Otero, CO; largest Otero, CO properties: Morningside Heights (La Junta) 50 units, 50 assisted; Nava Manor (Rocky Ford) 30 units, 30 assisted; Mountain View Housing (La Junta) 20 units, 14 assisted in Otero, CO; Prairieview Housing (La Junta) 5 units, 5 assisted; Arkva Group Home (La Junta) 4 units, 4 assisted.
Lenders with branches in Otero, CO
Otero, CO lenders by branch count: Pb&T Bank (Otero, CO): stress 41, 4 branches low in Otero, CO; First National Bank Colorado (Otero, CO): stress 46, 3 branches low in Otero, CO; Colorado B&T Co Of La Junta (Otero, CO): stress 62, 1 branch low in Otero, CO; Nbh Bank (Otero, CO): stress 57, 1 branch low in Otero, CO; Fowler State Bank (Otero, CO): stress 45, 1 branch low in Otero, CO.
Vacancy and permits, Otero, CO
1,162 of 8,746 Otero, CO housing units are vacant; Otero, CO permits, twelve months: 31 multifamily units in Otero, CO, 8 one-to-four unit units.
Work Otero, CO at the parcel level
Every Otero, CO parcel carries owner and address; every Otero, CO parcel carries APN; Otero, CO distress scores sit on the Otero, CO live board.
Otero, CO figures refresh with each source.
Otero, CO questions
Most distressed ZIP code in Otero County, CO?
ZIP 81039 leads Otero, CO at 26/100; next in Otero, CO: 81030 at 12/100; the Otero, CO average is 14/100.
Where does Otero County, CO rank for investment opportunity?
Otero, CO is #2,346 among all ranked counties, #36 in Colorado; the Otero, CO driver is vacancy; Otero, CO moved up 281 places.
How many mortgages are delinquent in Otero County, CO?
Otero, CO takes the non-metro area reading of 0.8% for December 2025; no CFPB county sample covers Otero, CO.
Which banks lend in Otero County, CO?
5 watched lenders hold Otero, CO branches; the largest Otero, CO footprints are Pb&T Bank (4), First National Bank Colorado (3), Colorado B&T Co Of La Junta (1).
More on Otero, CO
Otero County, CO distress report: public-record figures for Otero, CO; not legal advice for Otero, CO; not tax or investment advice; verify every Otero, CO record before acting.