Ouray County, CO Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Ouray County, Colorado? DLRadar grades every Ouray County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 12/100. Here is the 2026 Ouray County breakdown.
- Ouray County's most distressed ZIP is 81403 at 12/100.
- 3 ZIP codes tracked in Ouray County, averaging 11/100 distress.
- Ouray County reads peak — home values up 2.2% year over year.
- Vacancy runs 23.5% across Ouray County's tracked ZIPs, with a 6% poverty rate.
- The typical Ouray County home is worth about $651,900 against a ~$77,020 median income.
- Lending headwind in Ouray County sits at 88/100 — a forward read on distressed supply.
All numbers: DLRadar's monthly public-record distress index. Reuse is welcome with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 81403 | 12/100 |
| 2 | 81427 | 10/100 |
| 3 | 81432 | 10/100 |
Most distressed ZIP codes in Ouray County (composite distress 0-100, 2026)
What is driving Ouray County distress
Ouray County's placement in the national index rests on public filings — a 11/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Ouray County market phase and pricing
Ouray County reads peak — home prices rose 2.2% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
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Questions and answers
What is the most distressed ZIP code in Ouray County, CO?
ZIP 81403 leads Ouray County at 12/100, recomputed monthly from public records.
Which phase does Ouray County sit in right now?
The market phase for Ouray County is peak, prices rising 2.2% on the year — derived from the FHFA House Price Index path.
What is this Ouray County analysis built from?
Every Ouray County figure traces to a public source — FHFA House Price Index for the peak trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 3 Ouray County ZIP codes that it runs on every other U.S. county, so Ouray County's numbers are directly comparable to any other market.
How much do distress scores vary between Ouray County ZIP codes?
A single county score papers over real variation. Across the Ouray County ZIPs DLRadar ranks, scores run from 12/100 in 81403 down to 10/100 in 81432, against a Ouray County average of 11/100. That 2-point gap is why acquisition targeting in Ouray County works at ZIP level rather than county level.
What do Ouray County home values and vacancy say about distressed supply?
The typical Ouray County home carries about $651,900 of value against a median household income near $77,020. Vacancy across Ouray County's tracked ZIPs runs 23.5% and the poverty rate is 6%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Ouray County's foreclosure and tax-lien filings and its 88/100 lending headwind.
Related
Produced by fixed formulas over public records — research, not investment, legal or financial advice. The underlying index updates monthly.