ZIP 87310 Foreclosure, Tax-Lien & Distress Report

Mckinley County, New Mexico's ZIP 87310 registers 25/100 composite distress, which DLRadar reads as low. What sets it apart are the readings on construction/permit lag (100/100), structural risk (58/100), institutional ownership (14/100). By contrast, institutional ownership (14/100) and mortgage stress (5/100) register low. On the structural side it scores 58/100, with 1/100 of stress already active. Environmental exposure also runs high (climate & FEMA risk (70/100), flood (NFIP) exposure (60/100)).

The market reads peak — home values rose 1.9% year on year (phase confidence 24/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Around 100% of renters are cost-burdened. The ZIP holds roughly 350 housing units. At $36,406, median income runs below typical U.S. levels. Educational attainment sits at 6% bachelor's-or-above. The tenure split is 98% owner-occupied to 2% rented. Home values center near $67,600, an affordability ratio of 1.8× — accessible. The poverty rate is 41.2% — high, a tax-stress and distress correlate. The demographic-stress sub-score lands at 42/100. Vacancy runs 20.3%, above the national norm and a classic distress-and-opportunity signal. 1,003 residents call 87310 home, typically aged 39.

Net-net, 87310 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 87310 is not published yet -- the ZIP-level readings above remain fully sourced.

Whether 87310 runs hot or quiet, its 25/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 87310 can be compared directly against any other ZIP in Mckinley County, New Mexico or nationwide. Nothing here is interpolated — where a source is thin for 87310, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 87310 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 25/100 roll-up. The point of the 87310 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.