Phillips County, CO Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Phillips County, Colorado? DLRadar grades every Phillips County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 12/100. Here is the 2026 Phillips County breakdown.
- Phillips County's most distressed ZIP is 80721 at 12/100.
- 4 ZIP codes tracked in Phillips County, averaging 12/100 distress.
- Phillips County reads peak — home values up 2.2% year over year.
- Vacancy runs 8.1% across Phillips County's tracked ZIPs, with a 21.2% poverty rate.
- The typical Phillips County home is worth about $262,400 against a ~$63,193 median income.
- Lending headwind in Phillips County sits at 57/100 — 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 | 80721 | 12/100 |
| 2 | 80734 | 12/100 |
| 3 | 80746 | 12/100 |
| 4 | 80731 | 11/100 |
Most distressed ZIP codes in Phillips County (composite distress 0-100, 2026)
What is driving Phillips County distress
DLRadar builds Phillips County's distress picture only from records anyone can pull; its ZIPs average 12/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Phillips County market phase and pricing
The cycle in Phillips County is peak, with values up 2.2% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Phillips County
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Frequently asked questions
Which ZIP code leads Phillips County on distress?
ZIP 80721 leads Phillips County at 12/100, recomputed monthly from public records.
How would you describe the Phillips County market phase?
FHFA price-index movement places Phillips County in peak; prices are up 2.2% over twelve months.
What is this Phillips County analysis built from?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 4 Phillips County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Phillips County ZIP codes?
One county number flattens a wide range. Across the Phillips County ZIPs DLRadar ranks, scores run from 12/100 in 80721 down to 11/100 in 80731, against a Phillips County average of 12/100. The 1-point range is the argument for ZIP-level search across Phillips County.
What do Phillips County home values and vacancy say about distressed supply?
The typical Phillips County home carries about $262,400 of value against a median household income near $63,193. Vacancy across Phillips County's tracked ZIPs runs 8.1% and the poverty rate is 21.2%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Phillips County's foreclosure and lien filings and its 57/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.