Garfield County, CO: Foreclosures, Tax Liens & Distressed Properties

Across Garfield County, Colorado, DLRadar grades every ZIP for foreclosure, mortgage, tax and bank-stress distress. Bank/credit headwind for the county is 70 on a 0–100 scale, a elevated reading. Across its ZIPs, composite distress spans 12 to 16 out of 100. The county spans 8 scored ZIP codes, averaging 14/100 composite distress.

The contraction-phase county posted home values that held roughly flat over twelve months, a 12/100-confidence read. As the cycle turns down, days-on-market stretch out and discount-to-value windows open.

Given Garfield County's -0.3% YoY cooling (12/100 confidence), patience pays here while exits stay cautious. Its 70/100 lender headwind favors patient capital: short sales and foreclosures accelerate.

The sharpest Garfield County readings come from 81630 (16/100), 81637 (16/100), 81623 (15/100), 81635 (13/100), 81650 (13/100), 81601 (12/100) — open any for the parcel detail. Other tracked Garfield County ZIPs include 81647, 81652.

By the numbers, Garfield County's scored ZIPs report 6.8% of units sitting vacant, 8.8% of households below the poverty line, home values averaging roughly $539,175, above the US, residents with a median age around 37.6, a median household income near $93,104 (above the US norm), 74% owner-occupancy. Numbers like these frame which owners come under strain and how quickly stock clears.

At 14/100 composite over 8 ZIPs, Garfield County rewards parcel-by-parcel work for a disciplined buyer. A DLRadar subscription opens every Garfield County parcel: owner and contact detail, APN, a score, the bank behind the note and how fast it should sell.

The distress read for Garfield County, Colorado is refreshed as new public records post and uses the same methodology coast to coast, so Garfield County stays directly comparable to any other market you track.

The point of scoring Garfield County, Colorado is to narrow it — the high-composite ZIPs carry the distress, and everything below them rarely repays the outreach cost. Every figure traces to a public federal or county source — recorder and court records for foreclosure and liens, FHFA for the price cycle, FDIC for lender stress — and DLRadar leaves a signal blank rather than estimating where Garfield County data is thin.

The ZIP breakdown for Garfield County leads with 81630 (16/100), 81637 (16/100), 81623 (15/100), 81635 (13/100), 81650 (13/100), 81601 (12/100). DLRadar also scores 81647, 81652 across the county. Because each ZIP is graded on its own foreclosure, tax and lender record, the county's distress is best read code by code rather than as a single number.

Under Garfield County's headline composite sit distinct layers — recorded foreclosures, tax and lien delinquency, mortgage stress and bank headwind — each scored separately before they roll up, so the same total can describe very different markets.