Phillips County, MT Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Phillips County, Montana? DLRadar grades every Phillips County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 19/100. Here is the 2026 Phillips County breakdown.
- Phillips County's most distressed ZIP is 59542 at 19/100.
- 8 ZIP codes tracked in Phillips County, averaging 16/100 distress.
- Phillips County reads peak — home values up 2.2% year over year.
- Vacancy runs 25.3% across Phillips County's tracked ZIPs, with a 16.5% poverty rate.
- The typical Phillips County home is worth about $157,233 against a ~$60,528 median income.
- Lending headwind in Phillips County sits at 61/100 — a forward read on distressed supply.
Data: DLRadar public-record property-distress index, refreshed monthly. Free to cite with attribution to DLRadar (dlradar.com) — a link back is appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 59542 | 19/100 |
| 2 | 59241 | 16/100 |
| 3 | 59524 | 16/100 |
| 4 | 59261 | 15/100 |
| 5 | 59537 | 15/100 |
| 6 | 59538 | 15/100 |
| 7 | 59544 | 15/100 |
| 8 | 59546 | 15/100 |
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 16/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Phillips County market phase and pricing
Phase for Phillips County: peak (+2.2% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Phillips County
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What people ask
Which ZIP code leads Phillips County on distress?
ZIP 59542 leads Phillips County at 19/100, recomputed monthly from public records.
Which phase does Phillips County sit in right now?
Phase for Phillips County: peak, tracking a 2.2% gain year over year, read off the FHFA index.
Which datasets feed the Phillips County scores?
Phillips County draws on FHFA (peak trajectory), CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS — every one a public source. The scoring model does not change between counties, so these 8 ZIPs are comparable to anywhere else.
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 19/100 in 59542 down to 15/100 in 59546, against a Phillips County average of 16/100. That 4-point gap is why acquisition targeting in Phillips County works at ZIP level rather than county level.
What do Phillips County home values and vacancy say about distressed supply?
The typical Phillips County home carries about $157,233 of value against a median household income near $60,528. Vacancy across Phillips County's tracked ZIPs runs 25.3% and the poverty rate is 16.5%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Phillips County's filings and its 61/100 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.