Bonner County, ID Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Bonner County, Idaho? DLRadar grades every Bonner County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 22/100. Here is the 2026 Bonner County breakdown.
- Bonner County's most distressed ZIP is 83801 at 22/100.
- 18 ZIP codes tracked in Bonner County, averaging 18/100 distress.
- Bonner County reads peak — home values up 0.5% year over year, 2.0% off peak.
- Vacancy runs 30.7% across Bonner County's tracked ZIPs, with a 8% poverty rate.
- The typical Bonner County home is worth about $524,006 against a ~$67,770 median income.
- Lending headwind in Bonner County sits at 53/100 — a forward read on distressed supply.
Data drawn from the DLRadar distress index, recomputed monthly from public filings. Cite with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 83801 | 22/100 |
| 2 | 83869 | 21/100 |
| 3 | 83803 | 19/100 |
| 4 | 83804 | 18/100 |
| 5 | 83809 | 18/100 |
| 6 | 83811 | 18/100 |
| 7 | 83813 | 18/100 |
| 8 | 83821 | 18/100 |
| 9 | 83822 | 18/100 |
| 10 | 83825 | 18/100 |
| 11 | 83836 | 18/100 |
| 12 | 83840 | 18/100 |
Most distressed ZIP codes in Bonner County (composite distress 0-100, 2026)
What is driving Bonner County distress
Bonner County's placement in the national index rests on public filings — a 18/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Bonner County market phase and pricing
The cycle in Bonner County is peak, with values up 0.5% year over year and 2.0% below peak. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Bonner County
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Questions about this county
Which Bonner County ZIP scores worst for distress?
ZIP 83801 leads Bonner County at 22/100, recomputed monthly from public records.
Is Bonner County expanding or contracting?
The market phase for Bonner County is peak, prices rising 0.5% on the year — derived from the FHFA House Price Index path.
Which datasets feed the Bonner County scores?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 18 Bonner County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Bonner County ZIP codes?
One county number flattens a wide range. Across the Bonner County ZIPs DLRadar ranks, scores run from 22/100 in 83801 down to 18/100 in 83840, against a Bonner County average of 18/100. A spread of 4 points means Bonner County has to be worked ZIP by ZIP.
What do Bonner County home values and vacancy say about distressed supply?
The typical Bonner County home carries about $524,006 of value against a median household income near $67,770. Vacancy across Bonner County's tracked ZIPs runs 30.7% and the poverty rate is 8%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Bonner County's foreclosure and lien filings and its 53/100 lending headwind.
Related
This is a deterministic read of public filings, not advice of any kind — investment, legal or financial. The underlying index updates each month.