ZIP 59870 Foreclosure, Tax-Lien & Distress Report

ZIP code 59870 in Ravalli County, Montana carries a composite property-distress score of 17/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (78/100). Structural risk reads 36/100 against active distress of 1/100. Leading the profile are construction/permit lag (47/100), structural risk (36/100), mortgage stress (3/100). mortgage stress (3/100) and institutional ownership (3/100) stay muted.

The peak-phase market in 59870 posted values that rose 2.2% over the year, and 12% higher over three years, at 21/100 phase confidence. Topping markets hide individual distress behind strong averages.

Median household income is $80,389, near the U.S. median near $78,000. The poverty rate is 7.5%. Population is roughly 12,247 with a median age of 49. The vacancy rate is 7.5%. Rent burden reaches 27% of tenant households. Educational attainment sits at 29% bachelor's-or-above. The tenure split is 84% owner-occupied to 16% rented. DLRadar's demographic-stress index for the area reads 33/100. A median home runs $515,600 here, or 5.8 times local income. The ZIP holds roughly 5,153 housing units.

Overall 59870 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 59870 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 17/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 59870 reflects the current record instead of a stale or modeled snapshot.

59870's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. In workflow terms, 59870 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.