Pondera County, MT Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Pondera County, Montana? DLRadar grades every Pondera County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 18/100. Here is the 2026 Pondera County breakdown.
- Pondera County's most distressed ZIP is 59425 at 18/100.
- 6 ZIP codes tracked in Pondera County, averaging 15/100 distress.
- Pondera County reads peak — home values up 2.2% year over year.
- Vacancy runs 18.6% across Pondera County's tracked ZIPs, with a 22.7% poverty rate.
- The typical Pondera County home is worth about $173,200 against a ~$50,606 median income.
- Lending headwind in Pondera County sits at 30/100 — a forward read on distressed supply.
Source data is DLRadar's monthly public-record index. Citation welcome, with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 59425 | 18/100 |
| 2 | 59448 | 18/100 |
| 3 | 59486 | 18/100 |
| 4 | 59456 | 14/100 |
| 5 | 59416 | 12/100 |
| 6 | 59432 | 12/100 |
Most distressed ZIP codes in Pondera County (composite distress 0-100, 2026)
What is driving Pondera County distress
Pondera County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 15/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Pondera County market phase and pricing
Pondera 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 hardest-hit ZIP in Pondera County?
ZIP 59425 leads Pondera County at 18/100, recomputed monthly from public records.
What stage of the price cycle is Pondera County at?
Pondera County is classified peak with a 2.2% year-over-year increase, following the FHFA House Price Index.
Can the Pondera County figures be verified?
Every Pondera 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 6 Pondera County ZIP codes that it runs on every other U.S. county, so Pondera County's numbers are directly comparable to any other market.
How much do distress scores vary between Pondera County ZIP codes?
The county figure is a blend, not a description. Across the Pondera County ZIPs DLRadar ranks, scores run from 18/100 in 59425 down to 12/100 in 59432, against a Pondera County average of 15/100. A spread of 6 points means Pondera County has to be worked ZIP by ZIP.
What do Pondera County home values and vacancy say about distressed supply?
The typical Pondera County home carries about $173,200 of value against a median household income near $50,606. Vacancy across Pondera County's tracked ZIPs runs 18.6% and the poverty rate is 22.7%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Pondera County's foreclosure and tax-lien record and its 30/100 lending headwind.
Related
Scores here are computed from public records by fixed formulas. Nothing on this page is investment, legal or financial advice; the index refreshes monthly.