ZIP 87316 Foreclosure, Tax-Lien & Distress Report

Mckinley County, New Mexico's ZIP 87316 registers 20/100 composite distress, which DLRadar reads as low. It additionally carries heavy environmental risk: climate & FEMA risk (70/100). Structurally it carries 45/100, against 1/100 of stress already in motion. 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).

The peak-phase market in 87316 posted values that rose 1.9% over the year, at 24/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Median household income is $96,324, above the U.S. median near $78,000. Around 24% of adults hold a bachelor's degree or higher. The poverty rate is 22.0% — high, a tax-stress and distress correlate. Rent burden reaches 2% of tenant households. The tenure split is 59% owner-occupied to 41% rented. The typical home is worth about $71,300 (0.8× income, relatively affordable). 1,721 residents call 87316 home, typically aged 34. The vacancy rate is 24.3% — elevated. DLRadar's demographic-stress index for the area reads 23/100. There are about 760 housing units across 87316.

Taken together, 87316 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The 87316 read uses the identical public-record model applied coast to coast, which means its 20/100 score means exactly what it means anywhere else, and 87316 stays directly comparable to neighboring ZIPs and the rest of Mckinley County, New Mexico. Where the public record is thin for 87316, the field stays empty rather than modeled, and fills in as new documents post.

The 20/100 for 87316 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. In workflow terms, 87316 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.