Montana County Foreclosure & Distress Reports (2026)

One report per county — 56 in Montana — each scored 0-100 from public foreclosure, tax-lien, mortgage and bank-stress records and refreshed monthly. The live county pages sit under the Montana distress hub; insurance pressure is on the Montana home-insurance page.

56 Montana county reports sit in this archive; Montana opportunity phases run 25 weak, 21 early_signal, 5 overheated; Montana ninety-day delinquency 0.6%; 35 banks chartered in Montana; 3,359 HUD-assisted Montana units.

Montana counties to open first by opportunity rank: Musselshell (#33, strong_buy); Richland (#143, overheated); Sanders (#151, overheated) in Montana; Lincoln (#163, overheated); Mineral (#229, overheated); Mccone (#390, peak_opportunity).

Montana insurance bands across counties: 37 zero in Montana, 16 low, 3 medium; Montana NFIP claims 9 in three years.

Montana counties in the peak phase (48): Beaverhead, Big Horn, Blaine, Carter, Chouteau, Custer (Montana), Daniels, Dawson, Deer Lodge, Fallon, Fergus, Flathead (Montana), Garfield, Glacier, Golden Valley, Granite, Hill, Judith Basin (Montana), Lake, Liberty, Lincoln, Madison, Mccone, Meagher (Montana), Mineral, Missoula, Musselshell, Park, Petroleum, Phillips (Montana), Pondera, Powder River, Powell, Prairie, Ravalli, Richland (Montana), Roosevelt, Rosebud, Sanders, Sheridan, Silver Bow, Sweet Grass (Montana), Teton, Toole, Treasure, Valley, Wheatland, Wibaux.

Montana counties in the expansion phase (4): Carbon, Cascade, Stillwater, Yellowstone.

Montana counties in the contraction phase (3): Broadwater, Jefferson, Lewis And Clark.

Montana counties in the neutral phase (1): Gallatin.

Montana permitted 5,457 housing units in twelve months; 69,560 Montana units sit vacant of 528,419.

Montana counties highest on the national opportunity index: Musselshell #33 (39.2/100, strong_buy); Richland #143 (36.4/100, overheated); Sanders #151 (36.3/100, overheated) in Montana; Lincoln #163 (36.2/100, overheated); Mineral #229 (35.5/100, overheated); Mccone #390 (34.0/100, peak_opportunity) in Montana; Roosevelt #537 (33.2/100, overheated); Petroleum #554 (33.1/100, peak_opportunity); Wibaux #651 (32.6/100, early_signal) in Montana; Meagher #671 (32.5/100, watchlist); Daniels #785 (32.0/100, early_signal); Stillwater #866 (31.7/100, early_signal) in Montana.

How the Montana county reports are scored: each Montana report reads its county's foreclosure filings, Montana tax-lien and tax-deed records, FHA mortgage delinquency in Montana (ninety-day rate 0.6%, December 2025), the FDIC stress of Montana lenders (35 chartered in Montana) and FEMA/NFIP pressure on Montana (9 NFIP claims, three years), then scores every Montana ZIP 0-100.

Musselshell County leads Montana on the opportunity index at #33 nationally with 5 scored ZIPs. Every Montana report is rebuilt monthly from public records; a Montana county whose data lapses keeps its Montana page and says so.

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