San Miguel County, CO Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
San Miguel County, CO distress report, 2026: 7 ZIPs scored in San Miguel, CO, San Miguel, CO average 13/100; the top San Miguel, CO ZIP is 81325 at 16/100; San Miguel, CO market phase peak, San Miguel, CO prices +2.2% year over year.
- San Miguel, CO ranks #717 nationally (opportunity index); San Miguel, CO #8 in Colorado; San Miguel, CO index 32.3.
- San Miguel, CO: no CFPB county sample; San Miguel, CO non-metro area reading 0.8%.
- San Miguel, CO ZIP phases: 7 peak.
- San Miguel, CO residential listings tracked: 9 across 5 ZIPs; San Miguel, CO candidate listings 5.
- San Miguel, CO lenders on watch: 4; largest San Miguel, CO footprint Citizens State Bank Of Ouray (2 branches).
- San Miguel, CO most distressed ZIP: 81325 at 16/100.
San Miguel, CO figures: DLRadar distress index; San Miguel, CO inputs: CFPB, FHFA, HUD, FDIC; San Miguel, CO rebuilt as sources refresh.
| Rank | San Miguel, CO ZIP | Score |
|---|---|---|
| 1 | 81325 | 16/100 |
| 2 | 81426 | 14/100 |
| 3 | 81430 | 14/100 |
| 4 | 81435 | 14/100 |
| 5 | 81432 | 13/100 |
| 6 | 81423 | 12/100 |
| 7 | 81431 | 11/100 |
Most distressed San Miguel, CO ZIPs (0-100, 2026)
Mortgage delinquency around San Miguel, CO
No CFPB county sample covers San Miguel, CO; the non-metro area reading for San Miguel, CO: 0.8% ninety-plus; San Miguel, CO area thirty-to-eighty-nine 1.5% (December 2025, San Miguel, CO); Colorado overall 0.7%.
Opportunity index: San Miguel, CO
San Miguel, CO index 32.3, San Miguel, CO phase early_signal; San Miguel, CO primary driver vacancy, San Miguel, CO second driver construction. San Miguel, CO components: property stress 24.7, foreclosure pressure 29.4, listing discounts 7.6, bank stress 62.2, insurance 0.0; San Miguel, CO pulse 43.5; San Miguel, CO capital opportunity 15.6.
ZIP market phases inside San Miguel, CO
7 San Miguel, CO ZIPs carry a price-cycle phase; San Miguel, CO ZIPs by phase (San Miguel, CO), deepest drawdown first: peak, +1.3% YoY, 0.2% off peak (San Miguel, CO): 81431; peak, +1.9% YoY, 0.1% off peak (San Miguel, CO): 81423; peak, +2.2% YoY (San Miguel, CO): 81325, 81426, 81430, 81432, San Miguel, CO 81435.
Residential listings by San Miguel, CO ZIP
San Miguel, CO ZIPs with the most tracked San Miguel, CO residential listings: 81430 4 listings, 2 candidates, bank pressure 71; 81423 3 listings, 2 candidates, bank pressure 68; 81426 1 listings, 0 candidates, bank pressure 71; 81431 1 listings, 1 candidates, bank pressure 68 (San Miguel, CO); 81435 0 listings, 0 candidates, bank pressure 71. San Miguel, CO totals: 9 listings; San Miguel, CO candidates 5; active ZIPs 1.
Lenders with branches in San Miguel, CO
San Miguel, CO lenders by branch count: Citizens State Bank Of Ouray (San Miguel, CO): stress 89, 2 branches low in San Miguel, CO; Anb Bank (San Miguel, CO): stress 83, 1 branch low in San Miguel, CO; Alpine Bank (San Miguel, CO): stress 62, 1 branch low in San Miguel, CO; Nbh Bank (San Miguel, CO): stress 57, 1 branch low in San Miguel, CO.
Vacancy and permits, San Miguel, CO
2,052 of 6,656 San Miguel, CO housing units are vacant; San Miguel, CO permits, twelve months: 0 multifamily units in San Miguel, CO, 39 one-to-four unit units.
Work San Miguel, CO at the parcel level
Every San Miguel, CO parcel carries owner and address; every San Miguel, CO parcel carries APN; San Miguel, CO distress scores sit on the San Miguel, CO live board.
San Miguel, CO figures refresh with each source.
San Miguel, CO questions
Most distressed ZIP code in San Miguel County, CO?
ZIP 81325 leads San Miguel, CO at 16/100; next in San Miguel, CO: 81426 at 14/100; the San Miguel, CO average is 13/100.
Where does San Miguel County, CO rank for investment opportunity?
San Miguel, CO is #717 among all ranked counties, #8 in Colorado; the San Miguel, CO driver is vacancy; San Miguel, CO moved down 643 places.
How many mortgages are delinquent in San Miguel County, CO?
San Miguel, CO takes the non-metro area reading of 0.8% for December 2025; no CFPB county sample covers San Miguel, CO.
Which banks lend in San Miguel County, CO?
4 watched lenders hold San Miguel, CO branches; the largest San Miguel, CO footprints are Citizens State Bank Of Ouray (2), Anb Bank (1), Alpine Bank (1).
More on San Miguel, CO
San Miguel County, CO distress report: public-record figures for San Miguel, CO; not legal advice for San Miguel, CO; not tax or investment advice; verify every San Miguel, CO record before acting.