ZIP 81403 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 distress scale, ZIP 81403 in Montrose County, Colorado comes in at 12, a minimal composite-distress reading. What sets it apart are the readings on construction/permit lag (29/100), structural risk (25/100), institutional ownership (16/100). On the quiet end sit institutional ownership (16/100) and mortgage stress (3/100). Structural risk reads 25/100 against active distress of 1/100.

The market reads peak — home values rose 0.5% year on year, and 17% higher over three years, at 12/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

There are about 5,460 housing units across 81403. At $73,636, median income runs near typical U.S. levels. 11,955 residents call 81403 home, typically aged 48. Owners hold 81% of homes, renters 19%. Roughly 9.4% live below the poverty line. Vacancy runs 7.8%. Rent burden reaches 46% of tenant households. Around 35% of adults hold a bachelor's degree or higher. The typical home is worth about $515,300 (6.5× income). DLRadar's demographic-stress index for the area reads 38/100.

Net-net, 81403 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.

Big metro or rural, 81403 runs through one identical scoring model, so its 12/100 sits on the same scale as every other ZIP in Montrose County, Colorado and the nation. Where the record is thin for 81403, the field stays empty rather than modeled, and fills in as new documents post.

Behind 81403's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. The point of the 81403 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.