Valley County, MT Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Valley County, Montana? DLRadar grades every Valley County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 16/100. Here is the 2026 Valley County breakdown.
- Valley County's most distressed ZIP is 59241 at 16/100.
- 14 ZIP codes tracked in Valley County, averaging 9/100 distress.
- Valley County reads peak — home values up 2.2% year over year.
- Vacancy runs 33.9% across Valley County's tracked ZIPs, with a 14.4% poverty rate.
- The typical Valley County home is worth about $182,100 against a ~$60,257 median income.
- Lending headwind in Valley County sits at 58/100 — a forward read on distressed supply.
Numbers from the DLRadar public-record distress index, refreshed each month. Quote them freely with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 59241 | 16/100 |
| 2 | 59261 | 15/100 |
| 3 | 59260 | 14/100 |
| 4 | 59223 | 11/100 |
| 5 | 59253 | 11/100 |
| 6 | 59201 | 8/100 |
| 7 | 59225 | 6/100 |
| 8 | 59230 | 6/100 |
| 9 | 59231 | 6/100 |
| 10 | 59240 | 6/100 |
| 11 | 59244 | 6/100 |
| 12 | 59248 | 6/100 |
Most distressed ZIP codes in Valley County (composite distress 0-100, 2026)
What is driving Valley County distress
Valley County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 9/100 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.
Valley County market phase and pricing
Phase for Valley County: peak (+2.2% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Valley County
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What people ask
Which ZIP code leads Valley County on distress?
ZIP 59241 leads Valley County at 16/100, recomputed monthly from public records.
What market phase is Valley County in?
Phase for Valley County: peak, tracking a 2.2% gain year over year, read off the FHFA index.
Where does the Valley County data come from?
Every Valley County figure traces to a public source — FHFA House Price Index for the peak trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 14 Valley County ZIP codes that it runs on every other U.S. county, so Valley County's numbers are directly comparable to any other market.
How much do distress scores vary between Valley County ZIP codes?
One county number flattens a wide range. Across the Valley County ZIPs DLRadar ranks, scores run from 16/100 in 59241 down to 6/100 in 59248, against a Valley County average of 9/100. A spread of 10 points means Valley County has to be worked ZIP by ZIP.
What do Valley County home values and vacancy say about distressed supply?
The typical Valley County home carries about $182,100 of value against a median household income near $60,257. Vacancy across Valley County's tracked ZIPs runs 33.9% and the poverty rate is 14.4%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Valley County's foreclosure and lien data and its 58/100 lending headwind.
Related
These scores come from public filings run through fixed formulas. Nothing here is investment, legal or financial advice; the index refreshes monthly.