ZIP 81303 Property Distress & Foreclosure Data

Composite property distress in 81303 (La Plata County, Colorado) lands at 20/100 — low on DLRadar's public-record scoring. It additionally carries heavy environmental risk: flood (NFIP) exposure (83/100), climate & FEMA risk (77/100). On the structural side it scores 46/100, with 3/100 of stress already active. The sharpest non-environmental signals are structural risk (46/100), construction/permit lag (27/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (10/100) register low.

The market reads peak — home values rose 1.3% year on year, and 15% higher over three years (phase confidence 18/100). Topping markets hide individual distress behind strong averages.

Median household income is $94,565, above the U.S. median near $78,000. 11.2% of residents fall below the poverty threshold. About 9,696 people live here, median age 40. The vacancy rate is 11.6% — elevated. Around 46% of renters are cost-burdened. Owners hold 72% of homes, renters 28%. Educational attainment sits at 35% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 37/100. The ZIP holds roughly 4,422 housing units. Home values center near $597,300, an affordability ratio of 5.7×.

Net-net, 81303 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.