Rio Arriba County, NM Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Rio Arriba County, New Mexico? DLRadar grades every Rio Arriba County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 28/100. Here is the 2026 Rio Arriba County breakdown.
- Rio Arriba County's most distressed ZIP is 87037 at 28/100.
- 37 ZIP codes tracked in Rio Arriba County, averaging 19/100 distress.
- Rio Arriba County reads peak — home values up 1.9% year over year.
- Vacancy runs 31.2% across Rio Arriba County's tracked ZIPs, with a 27.1% poverty rate.
- The typical Rio Arriba County home is worth about $237,330 against a ~$57,337 median income.
- Lending headwind in Rio Arriba County sits at 66/100 — a forward read on distressed supply.
All figures come from the monthly DLRadar distress index built on public records. Attribution to DLRadar (dlradar.com) appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 87037 | 28/100 |
| 2 | 87018 | 25/100 |
| 3 | 87046 | 25/100 |
| 4 | 87419 | 25/100 |
| 5 | 87013 | 23/100 |
| 6 | 87412 | 23/100 |
| 7 | 87549 | 23/100 |
| 8 | 87521 | 21/100 |
| 9 | 87531 | 20/100 |
| 10 | 87577 | 20/100 |
| 11 | 87012 | 17/100 |
| 12 | 87017 | 17/100 |
Most distressed ZIP codes in Rio Arriba County (composite distress 0-100, 2026)
What is driving Rio Arriba County distress
Nothing here is estimated: Rio Arriba County is scored from filings alone, and its ZIPs average 19/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Rio Arriba County market phase and pricing
The cycle in Rio Arriba County is peak, with values up 1.9% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Rio Arriba County
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Common questions
What is the hardest-hit ZIP in Rio Arriba County?
ZIP 87037 leads Rio Arriba County at 28/100, recomputed monthly from public records.
What stage of the price cycle is Rio Arriba County at?
Rio Arriba County is classified peak with a 1.9% year-over-year increase, following the FHFA House Price Index.
What are the sources behind these Rio Arriba County numbers?
Each Rio Arriba County number can be traced back to a federal or county source — FHFA, CFPB, the recorder, FEMA/NFIP and Census ACS. One deterministic model covers all 37 local ZIPs and every other county in the country.
How much do distress scores vary between Rio Arriba County ZIP codes?
The county figure is a blend, not a description. Across the Rio Arriba County ZIPs DLRadar ranks, scores run from 28/100 in 87037 down to 17/100 in 87017, against a Rio Arriba County average of 19/100. A spread of 11 points means Rio Arriba County has to be worked ZIP by ZIP.
What do Rio Arriba County home values and vacancy say about distressed supply?
The typical Rio Arriba County home carries about $237,330 of value against a median household income near $57,337. Vacancy across Rio Arriba County's tracked ZIPs runs 31.2% and the poverty rate is 27.1%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Rio Arriba County's foreclosure and tax-lien filings and its 66/100 lending headwind.
Related
Every score is formula-driven and sourced from public records. Treat it as research, not investment, legal or financial advice. Monthly refresh.