ZIP 81321 Property Distress & Foreclosure Data

Composite property distress in 81321 (Montezuma County, Colorado) lands at 16/100 — low on DLRadar's public-record scoring. On the structural side it scores 37/100, with 1/100 of stress already active. The sharpest non-environmental signals are construction/permit lag (79/100), structural risk (37/100), institutional ownership (5/100). By contrast, institutional ownership (5/100) and mortgage stress (4/100) register low.

The market reads peak — home values rose 3.3% year on year, and 13% higher over three years (phase confidence 29/100). Topping markets hide individual distress behind strong averages.

Owners hold 71% of homes, renters 29%. Around 51% of renters are cost-burdened. 11.9% of residents fall below the poverty threshold. Home values center near $289,000, an affordability ratio of 4.3×. The ZIP holds roughly 6,265 housing units. DLRadar's demographic-stress index for the area reads 35/100. Educational attainment sits at 28% bachelor's-or-above. The vacancy rate is 10.1%. Median household income is $59,737, below the U.S. median near $78,000. About 14,278 people live here, median age 43.

Net-net, 81321 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.