Baker County, OR Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Baker County, Oregon? DLRadar grades every Baker County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 20/100. Here is the 2026 Baker County breakdown.
- Baker County's most distressed ZIP is 97814 at 20/100.
- 13 ZIP codes tracked in Baker County, averaging 19/100 distress.
- Baker County reads peak — home values up 1.2% year over year.
- Vacancy runs 36% across Baker County's tracked ZIPs, with a 16% poverty rate.
- The typical Baker County home is worth about $235,980 against a ~$59,684 median income.
- Lending headwind in Baker County sits at 49/100 — a forward read on distressed supply.
Figures come from DLRadar's public-record distress index and refresh every month. Free to quote with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 97814 | 20/100 |
| 2 | 97819 | 20/100 |
| 3 | 97833 | 20/100 |
| 4 | 97834 | 20/100 |
| 5 | 97837 | 20/100 |
| 6 | 97840 | 20/100 |
| 7 | 97870 | 20/100 |
| 8 | 97884 | 20/100 |
| 9 | 97905 | 20/100 |
| 10 | 97907 | 20/100 |
| 11 | 97867 | 17/100 |
| 12 | 97877 | 17/100 |
Most distressed ZIP codes in Baker County (composite distress 0-100, 2026)
What is driving Baker County distress
Nothing here is estimated: Baker County is scored from filings alone, and its ZIPs average 19/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Baker County market phase and pricing
Baker County reads peak — home prices rose 1.2% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Baker County
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Frequently asked questions
What is the most distressed ZIP code in Baker County, OR?
ZIP 97814 leads Baker County at 20/100, recomputed monthly from public records.
What market phase is Baker County in?
Phase for Baker County: peak, tracking a 1.2% gain year over year, read off the FHFA index.
What is this Baker County analysis built from?
Each Baker County number can be traced back to a federal or county source — FHFA, CFPB, the recorder, FEMA/NFIP and Census ACS. One deterministic model covers all 13 local ZIPs and every other county in the country.
How much do distress scores vary between Baker County ZIP codes?
The county figure is a blend, not a description. Across the Baker County ZIPs DLRadar ranks, scores run from 20/100 in 97814 down to 17/100 in 97877, against a Baker County average of 19/100. The 3-point range is the argument for ZIP-level search across Baker County.
What do Baker County home values and vacancy say about distressed supply?
The typical Baker County home carries about $235,980 of value against a median household income near $59,684. Vacancy across Baker County's tracked ZIPs runs 36% and the poverty rate is 16%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Baker County's filings and its 49/100 lending headwind.
Related
Formula-driven readings of public documents. Not investment, legal or financial advice of any kind; figures refresh from the live index each month.