Otero County, NM: Foreclosures, Tax Liens & Distressed Properties

Otero County, NM, New Mexico: 18 ZIP codes scored, Otero County, NM averaging 32/100 (moderate, Otero, NM), from 29 to 33. Otero County, NM is in its peak phase (Otero, NM confidence 24/100): Otero, NM home prices up 1.9% (Otero, NM) over twelve months. Otero County, NM lender headwind: 24/100.

Highest-scoring Otero County, NM ZIPs: 88310 (33/100), 88311 (33/100), 88314 (33/100), 88317 (33/100), 88325 (33/100), 88330 (33/100). Also scored in Otero County, NM: 88337, 88340, 88342, 88347, 88349, 88350, 88352, 88354, 88339, 88344.

Across Otero County, NM's scored ZIPs: median home value $168,363, household income $52,265, 43.7% vacancy, 18.5% poverty, 79% owner-occupied, median age 45.7.

Otero County, NM insurance distress 63/100 (#815 in the US); FEMA hazard 93/100 for Otero, NM; 10 federal disaster declarations in Otero County, NM since 2023 (4 flood); 2 Otero, NM NFIP flood claims; Otero, NM construction distress 91/100.

8 banks with 12 branches lend in Otero County, NM; Otero, NM weighted bank stress 57/100, highest 80/100 in Otero, NM.

Otero County, NM unemployment 4.9% (Otero, NM -0.3 pts, six months); 5 new housing units permitted in Otero County, NM over twelve months, Otero, NM down 44% from 9; Otero, NM home prices +9.8% a year (Otero, NM) over three years.

32,645 housing units in Otero County, NM; 8,491 Otero, NM renter households; 40% of Otero, NM renters spend 30%+ of income on rent, 15% (Otero, NM) half or more.

Otero County, NM ranks #227 nationally on the opportunity index (Otero, NM, among all ranked counties); Otero, NM scores 35.6/100 and Otero, NM sits #2 inside New Mexico. Otero, NM is in the peak_opportunity opportunity phase; Otero, NM's primary driver is vacancy, Otero, NM second driver construction; Otero, NM moved up 72 places. 16 short-sale listings across Otero, NM; 65 days on market observed in Otero, NM; 20.4% vacancy over 18 Otero, NM ZIPs.

No CFPB county sample covers Otero County, NM. The state reading for Otero, NM: 1.1% ninety-plus days late; Otero, NM's thirty-to-eighty-nine share is 2.4% (Otero, NM, December 2025 data).

Otero County, NM has 3 watched banks; 3 Otero, NM banks sit in an elevated band. Otero, NM footprints: First National Bank (4 branches, stress 80) in Otero, NM; First American Bank (1 branch, stress 39) in Otero, NM; Pioneer Bank (1 branch, stress 37) in Otero, NM.

HUD lists 4 assisted multifamily properties in Otero County, NM with 402 units; 22 Otero, NM units are assisted, 1 Otero, NM properties under project-based Section 8.

8,165 of the 32,645 housing units in Otero, NM sit vacant. Otero County, NM permitted 0 multifamily units in twelve months; Otero, NM's one-to-four unit structures added 5 units in Otero County, NM.