ZIP 81635 Property Distress & Foreclosure Data

In Garfield County, Colorado, ZIP 81635 scores 18 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are construction/permit lag (61/100), structural risk (39/100), institutional ownership (5/100). institutional ownership (5/100) and mortgage stress (3/100) stay muted. The latent-versus-live split is 39/100 structural and 1/100 already moving. Climate and flood risk are elevated too — climate & FEMA risk (69/100).

Prices here sit in a peak phase: values rose 1.4% over the trailing year, and 32% higher over three years (phase confidence 19/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The demographic-stress sub-score lands at 31/100. Around 37% of renters are cost-burdened. The poverty rate is 11.6%. 7,155 residents call 81635 home, typically aged 36. Around 24% of adults hold a bachelor's degree or higher. The typical home is worth about $311,200 (3.7× income, relatively affordable). The vacancy rate is 4.8%. 68% of housing is owner-occupied. At $68,865, median income runs near typical U.S. levels. The ZIP holds roughly 3,152 housing units.

Overall, 81635 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.