ZIP 81242 Property Distress & Foreclosure Data

ZIP code 81242 in Chaffee County, Colorado carries a composite property-distress score of 18/100 — a low reading on DLRadar's deterministic public-record index. The latent-versus-live split is 40/100 structural and 1/100 already moving. What sets it apart are the readings on construction/permit lag (89/100), structural risk (40/100), mortgage stress (4/100). mortgage stress (4/100) and institutional ownership (3/100) stay muted.

Prices here sit in a peak phase: values rose 3.3% over the trailing year, and 11% higher over three years (phase confidence 29/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Around 36% of adults hold a bachelor's degree or higher. The typical home is worth about $482,500 (5.1× income). The poverty rate is 2.0% — low. Around 51% of renters are cost-burdened. At $93,889, median income runs above typical U.S. levels. 890 residents call 81242 home, typically aged 52. The vacancy rate is 8.6%. The demographic-stress sub-score lands at 32/100. The ZIP holds roughly 548 housing units. 89% of housing is owner-occupied.

On balance, 81242 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.