ZIP 81641 Foreclosure, Tax-Lien & Distress Report

ZIP code 81641 in Rio Blanco County, Colorado carries a composite property-distress score of 13/100 — a minimal reading on DLRadar's deterministic distress index. Property-level stress concentrates in institutional ownership (34/100), structural risk (27/100), construction/permit lag (18/100). On the quiet end sit construction/permit lag (18/100) and mortgage stress (15/100). Structurally it carries 27/100, against 5/100 of stress already in motion.

The market reads peak — home values rose 1.8% year on year, and 21% higher over three years, at 17/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Home values center near $329,700, an affordability ratio of 4.5×. Vacancy runs 20.3%, above the national norm and a classic distress-and-opportunity signal. 73% of housing is owner-occupied. Around 34% of adults hold a bachelor's degree or higher. Population is roughly 3,578 with a median age of 39. Rent burden reaches 22% of tenant households. At $70,459, median income runs near typical U.S. levels. The demographic-stress sub-score lands at 30/100. The ZIP holds roughly 1,864 housing units. Roughly 9.6% live below the poverty line.

Net-net, 81641 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 81641 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 13/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed as records update; 81641 shows blanks, not estimates, wherever the record is sparse.

81641's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. The point of the 81641 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.