New Mexico County Foreclosure & Distress Reports (2026)
One report per county — 33 in New Mexico — each scored 0-100 from public foreclosure, tax-lien, mortgage and bank-stress records and refreshed monthly. The live county pages sit under the New Mexico distress hub; insurance pressure is on the New Mexico home-insurance page.
33 New Mexico county reports sit in this archive; New Mexico opportunity phases run 16 early_signal, 8 weak, 4 peak_opportunity; New Mexico ninety-day delinquency 1.1%; 29 banks chartered in New Mexico; 7,116 HUD-assisted New Mexico units.
New Mexico counties to open first by opportunity rank: Lincoln (#163, peak_opportunity); Otero (#222, peak_opportunity); Sierra (#443, overheated) in New Mexico; Chaves (#584, peak_opportunity); Valencia (#596, peak_opportunity); De Baca (#866, early_signal).
New Mexico insurance bands across counties: 15 zero in New Mexico, 12 low, 4 medium, 2 high; New Mexico NFIP claims 466 in three years.
New Mexico counties in the peak phase (30): Bernalillo, Catron, Chaves, Cibola, Colfax, Curry (New Mexico), De Baca, Eddy, Grant, Guadalupe, Harding, Hidalgo (New Mexico), Lea, Lincoln, Los Alamos, Luna, Mckinley, Mora (New Mexico), Otero, Quay, Rio Arriba, Roosevelt, Sandoval, San Miguel (New Mexico), Sierra, Socorro, Taos, Torrance, Union, Valencia.
New Mexico counties in the contraction phase (1): DoñA Ana.
New Mexico counties in the expansion phase (1): San Juan.
New Mexico counties in the neutral phase (1): Santa Fe.
New Mexico permitted 5,042 housing units in twelve months; 119,550 New Mexico units sit vacant of 956,964.
New Mexico counties highest on the national opportunity index: Lincoln #163 (36.2/100, peak_opportunity); Otero #222 (35.6/100, peak_opportunity); Sierra #443 (33.7/100, overheated) in New Mexico; Chaves #584 (32.9/100, peak_opportunity); Valencia #596 (32.8/100, peak_opportunity); De Baca #866 (31.7/100, early_signal) in New Mexico; Socorro #897 (31.6/100, early_signal); Torrance #1,040 (31.0/100, watchlist); Colfax #1,072 (30.9/100, watchlist) in New Mexico; Roosevelt #1,131 (30.7/100, watchlist); Hidalgo #1,211 (30.4/100, watchlist); Taos #1,238 (30.3/100, early_signal) in New Mexico.
How the New Mexico county reports are scored: each New Mexico report reads its county's foreclosure filings, New Mexico tax-lien and tax-deed records, FHA mortgage delinquency in New Mexico (ninety-day rate 1.1%, December 2025), the FDIC stress of New Mexico lenders (29 chartered in New Mexico) and FEMA/NFIP pressure on New Mexico (466 NFIP claims, three years), then scores every New Mexico ZIP 0-100.
Lincoln County leads New Mexico on the opportunity index at #163 nationally with 18 scored ZIPs. Every New Mexico report is rebuilt monthly from public records; a New Mexico county whose data lapses keeps its New Mexico page and says so.