ZIP 88346 Foreclosure, Tax-Lien & Distress Report

ZIP code 88346 in Lincoln County, New Mexico carries a composite property-distress score of 37/100 — a moderate reading on DLRadar's deterministic distress index. Its heaviest discrete signals: construction/permit lag (82/100), structural risk (82/100), institutional ownership (75/100). mortgage stress (35/100) stay muted. On the structural side it scores 82/100, with 10/100 of stress already active. It additionally carries heavy environmental risk: flood (NFIP) exposure (98/100), FEMA disaster exposure (98/100), climate & FEMA risk (75/100).

The market reads peak — home values rose 1.9% year on year (phase confidence 24/100). Topping markets hide individual distress behind strong averages.

The poverty rate is 24.8% — high, a tax-stress and distress correlate. Population is roughly 3,087 with a median age of 41. Around 69% of renters are cost-burdened. Educational attainment sits at 9% bachelor's-or-above. On demographic stress specifically, 88346 scores 61/100. Owners hold 71% of homes, renters 29%. Households earn a median $33,250 — below the roughly $78,000 national figure. The typical home is worth about $159,700. The vacancy rate is 27.7% — elevated. The ZIP holds roughly 1,865 housing units.

Net-net, 88346 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 88346 at the moment; the composite and its components are still built from verifiable records.

The 88346 read uses the identical scoring model applied coast to coast, which means its 37/100 score means exactly what it means anywhere else, and 88346 stays directly comparable to neighboring ZIPs and the rest of Lincoln County, New Mexico. Nothing here is interpolated — where a source is thin for 88346, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 37/100 figure for 88346 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. Practically, 88346 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.