San Miguel County, NM Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in San Miguel County, New Mexico? DLRadar grades every San Miguel County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 17/100. Here is the 2026 San Miguel County breakdown.
- San Miguel County's most distressed ZIP is 87535 at 17/100.
- 23 ZIP codes tracked in San Miguel County, averaging 14/100 distress.
- San Miguel County reads peak — home values up 1.9% year over year.
- Vacancy runs 25.1% across San Miguel County's tracked ZIPs, with a 12.9% poverty rate.
- The typical San Miguel County home is worth about $271,638 against a ~$48,277 median income.
- Lending headwind in San Miguel County sits at 24/100 — a forward read on distressed supply.
Source: the DLRadar property-distress index, rebuilt monthly from public records. Cite it freely with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 87535 | 17/100 |
| 2 | 87056 | 16/100 |
| 3 | 87538 | 16/100 |
| 4 | 87552 | 16/100 |
| 5 | 87560 | 16/100 |
| 6 | 87562 | 16/100 |
| 7 | 87565 | 16/100 |
| 8 | 87569 | 16/100 |
| 9 | 87573 | 16/100 |
| 10 | 87583 | 16/100 |
| 11 | 87701 | 16/100 |
| 12 | 87731 | 16/100 |
Most distressed ZIP codes in San Miguel County (composite distress 0-100, 2026)
What is driving San Miguel County distress
San Miguel County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 14/100 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.
San Miguel County market phase and pricing
The cycle in San Miguel 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 San Miguel County
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Questions about this county
Which ZIP code leads San Miguel County on distress?
ZIP 87535 leads San Miguel County at 17/100, recomputed monthly from public records.
How would you describe the San Miguel County market phase?
FHFA price-index movement places San Miguel County in peak; prices are up 1.9% over twelve months.
How is the San Miguel County data sourced?
Each San Miguel 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 23 local ZIPs and every other county in the country.
How much do distress scores vary between San Miguel County ZIP codes?
County-level numbers smooth away the detail that matters. Across the San Miguel County ZIPs DLRadar ranks, scores run from 17/100 in 87535 down to 16/100 in 87731, against a San Miguel County average of 14/100. Because the gap runs to 1 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 $271,638 of value against a median household income near $48,277. Vacancy across San Miguel County's tracked ZIPs runs 25.1% and the poverty rate is 12.9%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside San Miguel County's foreclosure and lien data and its 24/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.