Harding County, NM: Foreclosures, Tax Liens & Distressed Properties
Every ZIP in Harding County, New Mexico carries a DLRadar distress score assembled from foreclosure, tax, mortgage and lender records. ZIP-level distress ranges from 15/100 at the top down to 0/100. Lender pressure in Harding County registers 35/100 — a contained bank-stress headwind. Coverage runs to 7 ZIPs across Harding County, a minimal 3/100 average.
The peak-phase county posted home values that rose 1.1% over twelve months (phase confidence 26/100). On a market plateau, the average masks the outliers with opportunity concentrated by ZIP.
With Harding County flat at +1.1% YoY (26/100 confidence), the discount lives in outliers so the headline market won't hand it over. A contained 35/100 bank headwind puts the live signals on tax delinquency, probate and liens.
By composite, 87746 (15/100), 88415 (2/100), 88426 (2/100), 88410 (1/100), 87730 (0/100), 87733 (0/100) top the county — tap any ZIP to go deeper. The breakdown continues through 87743 and more.
Underneath the scores, the Harding County ZIPs on file come in at 17.2% of households below the poverty line, 86% owner-occupancy, 39.3% of units sitting vacant, a median age of 53.1, median home values around $111,960 (below the national figure), a median household income near $43,121 (below the US norm). Read together, they shape the supply of motivated sellers and the speed of resale.
With a minimal 3/100 reading over 7 ZIPs, Harding County is a screen-by-ZIP market for a disciplined buyer. Inside DLRadar, each Harding County property carries owner, APN and address, score, bank exposure and an exit-velocity estimate.
Because Harding County, New Mexico is scored on the identical public-record model used nationwide, even a quiet county is measured on one scale — letting you weigh Harding County against neighboring markets or the rest of New Mexico on equal footing.
The point of scoring Harding County, New Mexico is to narrow it — the high-composite ZIPs carry the distress, and everything below them rarely repays the outreach cost. The Harding County figures are auditable line by line — county recorders and courts, FHFA price data, FDIC bank filings — with gaps left visible rather than filled by estimate.
At the ZIP level, the sharpest readings in Harding County are 87746 (15/100), 88415 (2/100), 88426 (2/100), 88410 (1/100), 87730 (0/100), 87733 (0/100). DLRadar also scores 87743 across the county. Each code carries its own composite built from that ZIP's foreclosure, mortgage, tax-lien and lender signals, so two neighboring ZIPs can diverge sharply even inside one county.
Under Harding 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.
| ZIP | State | Distress score | 🔒 Owner | 🔒 Property Address | 🔒 Parcel ID |
|---|---|---|---|---|---|
| 87746 | NM | 15 | |||
| 88415 | NM | 2 | |||
| 88426 | NM | 2 | |||
| 88410 | NM | 1 | |||
| 87730 | NM | 0 | |||
| 87733 | NM | 0 | |||
| 87743 | NM | 0 |
Where distress concentrates in Harding County
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Related layers to cross-check
These reads compound. National distress frames it, bank and insurer strain forecast supply, ZIP data locates it.
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