ZIP 59640 Property Distress & Foreclosure Data

DLRadar grades ZIP 59640 (Lewis And Clark County, Montana) at a low 28/100 for overall property distress. Structural risk reads 61/100 against active distress of 5/100. It additionally carries heavy environmental risk: climate & FEMA risk (74/100), FEMA disaster exposure (64/100). Property-level stress concentrates in construction/permit lag (88/100), structural risk (61/100), institutional ownership (39/100). By contrast, institutional ownership (39/100) and mortgage stress (15/100) register low.

The market reads peak — home values rose 1.7% year on year, 3.7% off the recent peak, at 35/100 phase confidence. Topping markets hide individual distress behind strong averages.

Owners hold 72% of homes, renters 28%. Home values center near $287,500, an affordability ratio of 2.9× — accessible. Vacancy runs 25.4%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 0% of tenant households. About 105 people live here, median age 61. There are about 58 housing units across 59640. Median household income is $95,250, above the U.S. median near $78,000. Educational attainment sits at 42% bachelor's-or-above. 3.8% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 21/100.

Net-net, 59640 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.