ZIP 81637 Property Distress & Foreclosure Data

Composite property distress in 81637 (Garfield County, Colorado) lands at 20/100 — low on DLRadar's public-record scoring. The sharpest non-environmental signals are construction/permit lag (81/100), structural risk (45/100), mortgage stress (6/100). On the quiet end sit mortgage stress (6/100) and institutional ownership (4/100). On the structural side it scores 45/100, with 2/100 of stress already active. Environmental exposure also runs high (climate & FEMA risk (74/100)).

The peak-phase market in 81637 posted values that rose 1.3% over the year, and 18% higher over three years (phase confidence 18/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Roughly 5.9% live below the poverty line, a low share typical of higher-equity areas. Population is roughly 10,344 with a median age of 36. Households earn a median $108,556 — above the roughly $78,000 national figure. Around 48% of renters are cost-burdened. About 31% have a four-year degree. The ZIP holds roughly 3,565 housing units. The tenure split is 76% owner-occupied to 24% rented. The vacancy rate is 4.7%. On demographic stress specifically, 81637 scores 35/100. A median home runs $616,200 here, or 5.1 times local income.

On balance 81637 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.