Cache County, UT Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Cache County, Utah? DLRadar grades every Cache County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 14/100. Here is the 2026 Cache County breakdown.
- Cache County's most distressed ZIP is 84304 at 14/100.
- 18 ZIP codes tracked in Cache County, averaging 14/100 distress.
- Cache County reads peak — home values up 1.1% year over year, 1.9% off peak.
- Vacancy runs 4.6% across Cache County's tracked ZIPs, with a 6.5% poverty rate.
- The typical Cache County home is worth about $447,969 against a ~$79,333 median income.
- Lending headwind in Cache County sits at 47/100 — a forward read on distressed supply.
All numbers: DLRadar's monthly public-record distress index. Reuse is welcome with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 84304 | 14/100 |
| 2 | 84305 | 14/100 |
| 3 | 84308 | 14/100 |
| 4 | 84318 | 14/100 |
| 5 | 84319 | 14/100 |
| 6 | 84320 | 14/100 |
| 7 | 84321 | 14/100 |
| 8 | 84322 | 14/100 |
| 9 | 84325 | 14/100 |
| 10 | 84326 | 14/100 |
| 11 | 84327 | 14/100 |
| 12 | 84328 | 14/100 |
Most distressed ZIP codes in Cache County (composite distress 0-100, 2026)
What is driving Cache County distress
DLRadar builds Cache County's distress picture only from records anyone can pull; its ZIPs average 14/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Cache County market phase and pricing
The cycle in Cache County is peak, with values up 1.1% year over year and 1.9% below peak. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Cache County
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Questions about this county
What is the most distressed ZIP code in Cache County, UT?
ZIP 84304 leads Cache County at 14/100, recomputed monthly from public records.
Where is Cache County in the housing cycle?
The market phase for Cache County is peak, prices rising 1.1% on the year — derived from the FHFA House Price Index path.
How is the Cache County data sourced?
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 Cache 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 Cache County ZIP codes?
A single county score papers over real variation. Across the Cache County ZIPs DLRadar ranks, scores run from 14/100 in 84304 down to 14/100 in 84328, against a Cache County average of 14/100. That 0-point gap is why acquisition targeting in Cache County works at ZIP level rather than county level.
What do Cache County home values and vacancy say about distressed supply?
The typical Cache County home carries about $447,969 of value against a median household income near $79,333. Vacancy across Cache County's tracked ZIPs runs 4.6% and the poverty rate is 6.5%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Cache County's foreclosure and tax-lien filings and its 47/100 lending headwind.
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Every score is formula-driven and sourced from public records. Treat it as research, not investment, legal or financial advice. Monthly refresh.