ZIP 88312 Foreclosure, Tax-Lien & Distress Report

Scored on a fixed 0-100 scale, 88312 (Lincoln County, New Mexico) returns a moderate composite of 36/100. The split runs 81/100 structural to 10/100 active on the ground. Environmental exposure also runs high (flood (NFIP) exposure (98/100), FEMA disaster exposure (93/100), climate & FEMA risk (75/100)). The most distinctive pressure shows up in construction/permit lag (82/100), structural risk (81/100), institutional ownership (72/100). On the quiet end sit mortgage stress (35/100).

The market reads peak — home values rose 1.9% year on year, and 44% higher over three years (phase confidence 24/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

About 3,178 people live here, median age 62. Owners hold 98% of homes, renters 2%. Vacancy runs 53.8%, above the national norm and a classic distress-and-opportunity signal. Median household income is $95,479, above the U.S. median near $78,000. Roughly 9.5% live below the poverty line. The ZIP holds roughly 3,180 housing units. A median home runs $304,100 here, or 3.5 times local income. Rent burden reaches 0% of tenant households. Around 43% of adults hold a bachelor's degree or higher. On demographic stress specifically, 88312 scores 24/100.

Taken together, 88312 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.

Because one deterministic model scores every ZIP, 88312's 36/100 can be lined up against any neighbor in Lincoln County, New Mexico or any ZIP coast to coast. Every figure is auditable to a public dataset and refreshed as records update; 88312 shows blanks, not estimates, wherever the record is sparse.

88312's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Practically, 88312 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.