ZIP 87328 Foreclosure, Tax-Lien & Distress Report

ZIP code 87328 in Mckinley County, New Mexico carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic distress index. The latent-versus-live split is 52/100 structural and 4/100 already moving. Climate and flood risk are elevated too — climate & FEMA risk (75/100). Its heaviest discrete signals: construction/permit lag (57/100), structural risk (52/100), institutional ownership (28/100). institutional ownership (28/100) and mortgage stress (14/100) stay muted.

Prices here sit in a peak phase: values rose 3.2% over the trailing year (phase confidence 26/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Home values center near $65,000, an affordability ratio of 2.0× — accessible. The demographic-stress sub-score lands at 40/100. The tenure split is 32% owner-occupied to 68% rented. The vacancy rate is 21.0% — elevated. 3,017 residents call 87328 home, typically aged 29. Around 29% of renters are cost-burdened. Educational attainment sits at 10% bachelor's-or-above. Roughly 48.4% live below the poverty line, elevated and often tied to deferred-maintenance inventory. There are about 1,101 housing units across 87328. Median household income is $29,833, below the U.S. median near $78,000.

On the whole, 87328 leans distressed, with opportunity clustered in specific stressed parcels. While 87328 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 87328 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 24/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 87328 reflects the current record instead of a stale or modeled snapshot.

87328'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. For a buyer, 87328 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.