ZIP 87305 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 87305 (Mckinley County, New Mexico) returns a low composite of 20/100. What sets it apart are the readings on construction/permit lag (83/100), structural risk (45/100), mortgage stress (5/100). On the quiet end sit mortgage stress (5/100) and institutional ownership (5/100). Structural exposure scores 45 and live distress 1 on the 0–100 scale. It additionally carries heavy environmental risk: climate & FEMA risk (70/100).

The peak-phase market in 87305 posted values that rose 1.9% over the year (phase confidence 24/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Roughly 23.2% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Around 40% of renters are cost-burdened. The tenure split is 97% owner-occupied to 3% rented. Educational attainment sits at 6% bachelor's-or-above. Households earn a median $47,727 — below the roughly $78,000 national figure. DLRadar's demographic-stress index for the area reads 28/100. The ZIP holds roughly 750 housing units. Vacancy runs 25.9%, above the national norm and a classic distress-and-opportunity signal. The typical home is worth about $57,300 (1.0× income, relatively affordable). 1,844 residents call 87305 home, typically aged 33.

On the whole, 87305 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 87305 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 87305 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 20/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 87305 shows blanks, not estimates, wherever the record is sparse.

87305's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 87305 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.