ZIP 88316 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 88316 (Lincoln County, New Mexico) at a moderate 36/100 for overall property distress. It additionally carries heavy environmental risk: FEMA disaster exposure (99/100), flood (NFIP) exposure (98/100), climate & FEMA risk (75/100). Its standout signals are structural risk (81/100), construction/permit lag (76/100), institutional ownership (74/100). By contrast, mortgage stress (35/100) register low. Structural exposure scores 81 and live distress 10 on the 0–100 scale.

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

2,319 residents call 88316 home, typically aged 58. Home values center near $123,600, an affordability ratio of 2.4× — accessible. The ZIP holds roughly 1,460 housing units. Vacancy runs 23.4%, above the national norm and a classic distress-and-opportunity signal. Around 51% of renters are cost-burdened. The demographic-stress sub-score lands at 28/100. About 26% have a four-year degree. At $67,788, median income runs below typical U.S. levels. The tenure split is 91% owner-occupied to 9% rented. 8.9% of residents fall below the poverty threshold.

Taken together, 88316 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 88316 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Big metro or rural, 88316 runs through one identical public-record model, so its 36/100 sits on the same scale as every other ZIP in Lincoln County, New Mexico and the nation. Where the public record is thin for 88316, the field stays empty rather than modeled, and fills in as new documents post.

The 36/100 for 88316 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Treat 88316 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.