Summit County, CO Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Summit County, Colorado? DLRadar grades every Summit County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 16/100. Here is the 2026 Summit County breakdown.
- Summit County's most distressed ZIP is 80424 at 16/100.
- 4 ZIP codes tracked in Summit County, averaging 16/100 distress.
- Summit County reads contraction — home values down 0.3% year over year, 0.7% off peak.
- Vacancy runs 60.2% across Summit County's tracked ZIPs, with a 7% poverty rate.
- The typical Summit County home is worth about $927,350 against a ~$102,320 median income.
- Lending headwind in Summit County sits at 56/100 — a forward read on distressed supply.
All figures come from the monthly DLRadar distress index built on public records. Attribution to DLRadar (dlradar.com) appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 80424 | 16/100 |
| 2 | 80435 | 16/100 |
| 3 | 80443 | 16/100 |
| 4 | 80498 | 16/100 |
Most distressed ZIP codes in Summit County (composite distress 0-100, 2026)
What is driving Summit County distress
Summit County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 16/100 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.
Summit County market phase and pricing
Summit County currently sits in contraction after a 0.3% decline in the past twelve months, 0.7% off the high. Slower absorption is the mechanism that converts price weakness into motivated supply.
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Questions about this county
Which ZIP code leads Summit County on distress?
ZIP 80424 leads Summit County at 16/100, recomputed monthly from public records.
Which phase does Summit County sit in right now?
Phase for Summit County: contraction, tracking a 0.3% decline year over year, read off the FHFA index.
What are the sources behind these Summit County numbers?
The inputs are all public: FHFA for the contraction path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 4 ZIP codes in Summit County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Summit County ZIP codes?
A single county score papers over real variation. Across the Summit County ZIPs DLRadar ranks, scores run from 16/100 in 80424 down to 16/100 in 80498, against a Summit County average of 16/100. A spread of 0 points means Summit County has to be worked ZIP by ZIP.
What do Summit County home values and vacancy say about distressed supply?
The typical Summit County home carries about $927,350 of value against a median household income near $102,320. Vacancy across Summit County's tracked ZIPs runs 60.2% and the poverty rate is 7%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Summit County's filings and its 56/100 lending headwind.
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Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.