Montana Foreclosures, Tax Liens & Distressed Properties

Every Montana county and ZIP carries a DLRadar distress score built from county and parcel records. Phase-wise, Montana counties run 48 peak, 4 expansion, 3 contraction, 1 neutral. Statewide, counties skew peak, prices up 2.1% on average. The state covers 56 scored counties and 369 ZIP codes, averaging 12/100 composite distress.

Carter County, Golden Valley County, Petroleum County, Carbon County, Jefferson County top Montana for distress; drill into any for the ZIP detail.

At the ZIP level, the highest distress in Montana shows up in 59917 (23/100), 59918 (23/100), 59923 (23/100), 59930 (23/100), 59933 (23/100).

Distress and market phase, county by county in Montana:

In Beaverhead County, peak: values rising 2.2%, lender pressure 17/100. Big Horn County reads peak — homes +2.2% YoY, headwind 58/100. Blaine County reads peak — appreciation near 2.2%, lender pressure 72/100. Broadwater County is in its contraction phase, prices down 2.8%, down 2.8% from its high, lender pressure 62/100. DLRadar reads Carbon County as expansion — homes +5.0% YoY, down 1.4% from its high, bank stress 83/100. Carter County is peak (up 2.2% on the year, a 100/100 lender reading). Cascade County reads expansion — values rising 7.0%, 2.4% below peak, a 25/100 lender reading.

Chouteau County is peak (values rising 2.2%, lender pressure 35/100). DLRadar reads Custer County as peak — prices up 2.2%, a 30/100 lender reading. In Daniels County, peak: homes +2.2% YoY. Dawson County reads peak — appreciation near 2.2%, headwind 34/100. Deer Lodge County — peak, homes +2.2% YoY, lender pressure 75/100. Fallon County: peak, homes +2.2% YoY, bank stress 34/100. Fergus County: peak, prices up 2.2%, headwind 46/100.

Flathead County reads peak — prices up 2.5%, headwind 42/100. In Gallatin County, neutral: homes +3.7% YoY, bank stress 49/100. Garfield County is in its peak phase, prices up 2.2%. Glacier County is peak (up 2.2% on the year, lender pressure 20/100). Golden Valley County sits in peak, homes +2.2% YoY, headwind 100/100. Granite County — peak, homes +2.2% YoY, headwind 73/100. DLRadar reads Hill County as peak — homes +2.2% YoY, headwind 36/100.

Jefferson County reads contraction — prices down 2.8%, 2.8% below peak, a 82/100 lender reading. Judith Basin County sits in peak, homes +2.2% YoY, headwind 21/100. DLRadar reads Lake County as peak — appreciation near 2.2%, bank stress 64/100. DLRadar reads Lewis And Clark County as contraction — values off 2.8%, down 2.8% from its high, bank stress 52/100. Liberty County is in its peak phase, homes +2.2% YoY, a 42/100 lender reading. Lincoln County reads peak — homes +2.2% YoY, bank stress 60/100. DLRadar reads Madison County as peak — homes +2.2% YoY, bank stress 64/100.

Mccone County: peak, up 2.2% on the year. Meagher County sits in peak, appreciation near 2.2%, bank stress 39/100. Mineral County — peak, little price movement, 1.8% off peak, headwind 33/100. Missoula County is peak (values about even, 1.8% off peak, a 48/100 lender reading). Musselshell County sits in peak, homes +2.2% YoY. Park County — peak, up 2.2% on the year, headwind 41/100. Petroleum County — peak, prices up 2.2%, bank stress 100/100.

Phillips County reads peak — up 2.2% on the year, lender pressure 61/100. Pondera County — peak, appreciation near 2.2%, bank stress 30/100. Powder River County is in its peak phase, homes +2.2% YoY. Powell County — peak, homes +2.2% YoY, headwind 31/100. In Prairie County, peak: prices up 2.2%, a 21/100 lender reading. Ravalli County reads peak — prices up 2.2%, bank stress 59/100. DLRadar reads Richland County as peak — homes +2.2% YoY, headwind 18/100.

Roosevelt County reads peak — homes +2.2% YoY, bank stress 43/100. Rosebud County is in its peak phase, prices up 2.2%, headwind 44/100. Sanders County is in its peak phase, values rising 2.2%, a 51/100 lender reading. Sheridan County sits in peak, appreciation near 2.2%, lender pressure 45/100. Silver Bow County: peak, homes +2.5% YoY, headwind 43/100. Stillwater County is in its expansion phase, values rising 5.0%, 1.4% below peak. Sweet Grass County: peak, appreciation near 2.2%, bank stress 53/100.

Teton County sits in peak, up 2.2% on the year, bank stress 52/100.

Montana opportunity phases: 25 weak, 21 early_signal, 5 overheated, 2 peak_opportunity, 2 watchlist, 1 strong_buy; Montana average index 28.9. Best-ranked Montana counties: Musselshell #33 (39.2), vacancy; Richland #143 (36.4), vacancy; Sanders #151 (36.3), vacancy in Montana; Lincoln #163 (36.2), vacancy; Mineral #229 (35.5), construction; Mccone #390 (34.0), construction.

Montana mortgages ninety-plus days late: 0.6%; Montana thirty-to-eighty-nine days late 1.6% (December 2025); 2 Montana counties sit in the CFPB sample; highest Montana county readings: Yellowstone 0.8%, Gallatin 0.3%.

Montana county unemployment averages 3.0% across 56 counties; Montana permitted 5,457 housing units in twelve months (2,484 multifamily); 69,560 of 528,419 Montana housing units are vacant; 138,417 Montana renter households, 28.8% spending 30%+ of income on rent.

Montana ZIP price-cycle phases: 2,433 peak, 487 contraction, 315 neutral, 242 recovery, 58 expansion.