San Miguel County, CO Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in San Miguel County, Colorado? DLRadar grades every San Miguel County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 14/100. Here is the 2026 San Miguel County breakdown.
- San Miguel County's most distressed ZIP is 81426 at 14/100.
- 7 ZIP codes tracked in San Miguel County, averaging 13/100 distress.
- San Miguel County reads peak — home values up 2.2% year over year.
- Vacancy runs 24.5% across San Miguel County's tracked ZIPs, with a 6.8% poverty rate.
- The typical San Miguel County home is worth about $721,057 against a ~$81,828 median income.
- Lending headwind in San Miguel County sits at 77/100 — 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 | 81426 | 14/100 |
| 2 | 81430 | 14/100 |
| 3 | 81435 | 14/100 |
| 4 | 81325 | 13/100 |
| 5 | 81423 | 13/100 |
| 6 | 81431 | 12/100 |
| 7 | 81432 | 10/100 |
Most distressed ZIP codes in San Miguel County (composite distress 0-100, 2026)
What is driving San Miguel County distress
DLRadar builds San Miguel County's distress picture only from records anyone can pull; its ZIPs average 13/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
San Miguel County market phase and pricing
San Miguel County currently sits in peak after a 2.2% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
See the distressed properties behind the data in San Miguel County
Everything summarised here for San Miguel County is free. Start a trial to see the scored parcels, owners and filings underneath — nothing charged today.
Nothing charged today · every module open, on live data.
Questions about this county
Where is distress highest inside San Miguel County, CO?
ZIP 81426 leads San Miguel County at 14/100, recomputed monthly from public records.
What stage of the price cycle is San Miguel County at?
San Miguel County reads peak, with home prices up 2.2% year over year. Phase comes from FHFA House Price Index trajectory.
What is this San Miguel County analysis built from?
San Miguel 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 7 ZIPs are comparable to anywhere else.
How much do distress scores vary between San Miguel County ZIP codes?
Averaging the county conceals how uneven it is. Across the San Miguel County ZIPs DLRadar ranks, scores run from 14/100 in 81426 down to 10/100 in 81432, against a San Miguel County average of 13/100. Because the gap runs to 4 points, San Miguel County rewards ZIP-level precision.
What do San Miguel County home values and vacancy say about distressed supply?
The typical San Miguel County home carries about $721,057 of value against a median household income near $81,828. Vacancy across San Miguel County's tracked ZIPs runs 24.5% and the poverty rate is 6.8%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside San Miguel County's foreclosure and tax-lien record and its 77/100 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.