Santa Fe County, NM Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Santa Fe County, NM distress report, 2026: 16 ZIPs scored in Santa Fe, NM, Santa Fe, NM average 16/100; the top Santa Fe, NM ZIP is 87047 at 23/100; Santa Fe, NM market phase neutral, Santa Fe, NM prices +4.7% year over year.
- Santa Fe, NM ranks #2,422 nationally (opportunity index); Santa Fe, NM #29 in New Mexico; Santa Fe, NM index 26.2.
- Santa Fe, NM ninety-day mortgage delinquency 0.6% in December 2025; Santa Fe, NM twelve-month change +0.1%.
- Santa Fe, NM ZIP phases: 13 neutral, 3 peak.
- Santa Fe, NM residential listings tracked: 170 across 12 ZIPs; Santa Fe, NM candidate listings 46.
- Santa Fe, NM HUD assisted properties: 15 with 563 units.
- Santa Fe, NM lenders on watch: 1; largest Santa Fe, NM footprint Century Bank (5 branches).
- Santa Fe, NM most distressed ZIP: 87047 at 23/100.
Santa Fe, NM figures: DLRadar distress index; Santa Fe, NM inputs: CFPB, FHFA, HUD, FDIC; Santa Fe, NM rebuilt as sources refresh.
| Rank | Santa Fe, NM ZIP | Score |
|---|---|---|
| 1 | 87047 | 23/100 |
| 2 | 87532 | 17/100 |
| 3 | 87010 | 16/100 |
| 4 | 87015 | 16/100 |
| 5 | 87056 | 16/100 |
| 6 | 87501 | 16/100 |
| 7 | 87505 | 16/100 |
| 8 | 87506 | 16/100 |
| 9 | 87507 | 16/100 |
| 10 | 87508 | 16/100 |
| 11 | 87522 | 16/100 |
| 12 | 87535 | 16/100 |
Most distressed Santa Fe, NM ZIPs (0-100, 2026)
Mortgage delinquency in Santa Fe, NM
0.6% of Santa Fe, NM mortgages were ninety-plus days late (Santa Fe, NM, December 2025); Santa Fe, NM thirty-to-eighty-nine days late: 1.3%; Santa Fe, NM twelve-month change +0.1%; Santa Fe, NM peak since 2008: 3.5% (July 2012); New Mexico overall 1.1%. Santa Fe, NM ninety-day series: Dec 24 0.5, Jan 25 0.5, Feb 25 0.7 (Santa Fe, NM), Mar 25 0.7, Apr 25 0.8, May 25 0.7 (Santa Fe, NM), Jun 25 0.6, Jul 25 0.5, Aug 25 0.5 (Santa Fe, NM), Sep 25 0.6, Oct 25 0.6, Nov 25 0.6 (Santa Fe, NM), Dec 25 0.6.
Opportunity index: Santa Fe, NM
Santa Fe, NM index 26.2, Santa Fe, NM phase weak; Santa Fe, NM primary driver bank institutional, Santa Fe, NM second driver vacancy. Santa Fe, NM components: property stress 19.7, foreclosure pressure 19.2, listing discounts 26.0, bank stress 61.6, insurance 0.0; Santa Fe, NM pulse 28.8; Santa Fe, NM capital opportunity 22.2; Santa Fe, NM seven-day change +0.4%.
ZIP market phases inside Santa Fe, NM
16 Santa Fe, NM ZIPs carry a price-cycle phase; Santa Fe, NM ZIPs by phase (Santa Fe, NM), deepest drawdown first: neutral, +4.7% YoY (Santa Fe, NM): 87010, 87501, 87505, 87506, Santa Fe, NM 87507, 87508, 87540, 87567; neutral, +3.7% YoY (Santa Fe, NM): 87015; peak, +2.2% YoY (Santa Fe, NM): 87035; peak, +2.9% YoY (Santa Fe, NM): 87047; neutral, +4.3% YoY (Santa Fe, NM): 87056; neutral, +4.1% YoY (Santa Fe, NM): 87522; peak, +2.6% YoY (Santa Fe, NM): 87532; neutral, +4.5% YoY (Santa Fe, NM): 87535; neutral, +3.1% YoY (Santa Fe, NM): 87573.
Residential listings by Santa Fe, NM ZIP
Santa Fe, NM ZIPs with the most tracked Santa Fe, NM residential listings: 87505 38 listings, 5 candidates, bank pressure 68; 87506 36 listings, 18 candidates, bank pressure 68; 87507 35 listings, 5 candidates, bank pressure 68; 87508 23 listings, 3 candidates, bank pressure 68 (Santa Fe, NM); 87501 20 listings, 2 candidates, bank pressure 68; 87015 10 listings, 10 candidates, bank pressure 64; 87010 2 listings, 1 candidates, bank pressure 68; 87522 2 listings, 0 candidates, bank pressure 68. Santa Fe, NM totals: 170 listings; Santa Fe, NM candidates 46; active ZIPs 11.
HUD assisted housing in Santa Fe, NM
15 assisted properties with 563 units sit in Santa Fe, NM; largest Santa Fe, NM properties: San Isidro Apartments (Santa Fe) 176 units; Country Club Apartments (Santa Fe) 62 units; Stage Coach Apartments-Risk Share (Santa Fe) 60 units in Santa Fe, NM; The Village Sage-Risk Share (Santa Fe) 60 units; Villa Alegre Senior Apartments-Risk Share (Santa Fe) 51 units; Encino Villa (Santa Fe) 48 units, 48 assisted.
Lenders with branches in Santa Fe, NM
Santa Fe, NM lenders by branch count: Century Bank (Santa Fe, NM): stress 76, 5 branches moderate in Santa Fe, NM.
Vacancy and permits, Santa Fe, NM
8,067 of 78,834 Santa Fe, NM housing units are vacant; Santa Fe, NM permits, twelve months: 303 multifamily units in Santa Fe, NM, 254 one-to-four unit units.
Work Santa Fe, NM at the parcel level
Every Santa Fe, NM parcel carries owner and address; every Santa Fe, NM parcel carries APN; Santa Fe, NM distress scores sit on the Santa Fe, NM live board.
Santa Fe, NM figures refresh with each source.
Santa Fe, NM questions
Most distressed ZIP code in Santa Fe County, NM?
ZIP 87047 leads Santa Fe, NM at 23/100; next in Santa Fe, NM: 87532 at 17/100; the Santa Fe, NM average is 16/100.
Where does Santa Fe County, NM rank for investment opportunity?
Santa Fe, NM is #2,422 among all ranked counties, #29 in New Mexico; the Santa Fe, NM driver is bank institutional; Santa Fe, NM moved up 135 places.
How many mortgages are delinquent in Santa Fe County, NM?
0.6% of Santa Fe, NM mortgages were ninety-plus days late in December 2025; the Santa Fe, NM peak since 2008 was 3.5%.
Which banks lend in Santa Fe County, NM?
1 watched lenders hold Santa Fe, NM branches; the largest Santa Fe, NM footprints are Century Bank (5).
More on Santa Fe, NM
Santa Fe County, NM distress report: public-record figures for Santa Fe, NM; not legal advice for Santa Fe, NM; not tax or investment advice; verify every Santa Fe, NM record before acting.