Clackamas County, OR Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Clackamas County, OR distress report, 2026: 37 ZIPs scored in Clackamas, OR, Clackamas, OR average 29/100; the top Clackamas, OR ZIP is 97004 at 30/100; Clackamas, OR market phase peak, Clackamas, OR prices +1.0% year over year.
- Clackamas, OR ranks #2,301 nationally (opportunity index); Clackamas, OR #25 in Oregon; Clackamas, OR index 26.7.
- Clackamas, OR ninety-day mortgage delinquency 0.5% in December 2025; Clackamas, OR twelve-month change +0.1%.
- Clackamas, OR ZIP phases: 32 peak, 5 contraction.
- Clackamas, OR residential listings tracked: 382 across 24 ZIPs; Clackamas, OR candidate listings 119.
- Clackamas, OR HUD assisted properties: 19 with 1,508 units.
- Clackamas, OR lenders on watch: 4; largest Clackamas, OR footprint Columbia Bank (8 branches).
- Clackamas, OR most distressed ZIP: 97004 at 30/100.
Clackamas, OR figures: DLRadar distress index; Clackamas, OR inputs: CFPB, FHFA, HUD, FDIC; Clackamas, OR rebuilt as sources refresh.
| Rank | Clackamas, OR ZIP | Score |
|---|---|---|
| 1 | 97004 | 30/100 |
| 2 | 97009 | 30/100 |
| 3 | 97011 | 30/100 |
| 4 | 97013 | 30/100 |
| 5 | 97015 | 30/100 |
| 6 | 97017 | 30/100 |
| 7 | 97019 | 30/100 |
| 8 | 97022 | 30/100 |
| 9 | 97023 | 30/100 |
| 10 | 97027 | 30/100 |
| 11 | 97028 | 30/100 |
| 12 | 97034 | 30/100 |
Most distressed Clackamas, OR ZIPs (0-100, 2026)
Mortgage delinquency in Clackamas, OR
0.5% of Clackamas, OR mortgages were ninety-plus days late (Clackamas, OR, December 2025); Clackamas, OR thirty-to-eighty-nine days late: 1.3%; Clackamas, OR twelve-month change +0.1%; Clackamas, OR peak since 2008: 3.9% (February 2010); Oregon overall 0.6%. Clackamas, OR ninety-day series: Dec 24 0.4, Jan 25 0.6, Feb 25 0.7 (Clackamas, OR), Mar 25 0.5, Apr 25 0.5, May 25 0.5 (Clackamas, OR), Jun 25 0.4, Jul 25 0.4, Aug 25 0.5 (Clackamas, OR), Sep 25 0.5, Oct 25 0.5, Nov 25 0.5 (Clackamas, OR), Dec 25 0.5.
Opportunity index: Clackamas, OR
Clackamas, OR index 26.7, Clackamas, OR phase weak; Clackamas, OR primary driver bank institutional, Clackamas, OR second driver construction. Clackamas, OR components: property stress 17.8, foreclosure pressure 18.4, listing discounts 28.2, bank stress 61.2, insurance 0.0; Clackamas, OR pulse 29.2; Clackamas, OR capital opportunity 22.9; Clackamas, OR seven-day change +0.5%.
ZIP market phases inside Clackamas, OR
37 Clackamas, OR ZIPs carry a price-cycle phase; Clackamas, OR ZIPs by phase (Clackamas, OR), deepest drawdown first: contraction, -0.5% YoY, 0.6% off peak (Clackamas, OR): 97362; contraction, -0.3% YoY, 0.5% off peak (Clackamas, OR): 97375; contraction, -0.2% YoY, 0.5% off peak (Clackamas, OR): 97071; contraction, -0.1% YoY, 0.4% off peak (Clackamas, OR): 97002, 97032; peak, +1.0% YoY (Clackamas, OR): 97004, 97009, 97011, 97013, Clackamas, OR 97015, 97017, 97019, 97022, Clackamas, OR 97023, 97027, 97028.
Residential listings by Clackamas, OR ZIP
Clackamas, OR ZIPs with the most tracked Clackamas, OR residential listings: 97045 90 listings, 22 candidates, bank pressure 67; 97086 63 listings, 19 candidates, bank pressure 67; 97068 56 listings, 18 candidates, bank pressure 67; 97035 48 listings, 18 candidates, bank pressure 66 (Clackamas, OR); 97034 44 listings, 8 candidates, bank pressure 66; 97015 12 listings, 1 candidates, bank pressure 67; 97023 9 listings, 6 candidates, bank pressure 67; 97089 9 listings, 4 candidates, bank pressure 67. Clackamas, OR totals: 382 listings; Clackamas, OR candidates 119; active ZIPs 22.
HUD assisted housing in Clackamas, OR
19 assisted properties with 1,508 units sit in Clackamas, OR; largest Clackamas, OR properties: Rosewood Terrace (Happy Valley) 212 units; Rivergreens Apartments (Gladstone) 208 units; Creekside Apartment Homes (Clackamas) 160 units in Clackamas, OR; Autumn Park (Wilsonville) 144 units; Homewoods On The Willamette (Milwaukie) 113 units; Greenbriar Apartments (Canby) 86 units.
Lenders with branches in Clackamas, OR
Clackamas, OR lenders by branch count: Columbia Bank (Clackamas, OR): stress 58, 8 branches low in Clackamas, OR; Clackamas County Bank (Clackamas, OR): stress 66, 3 branches low in Clackamas, OR; Pacific West Bank (Clackamas, OR): stress 90, 2 branches low in Clackamas, OR; Citizens Bank (Clackamas, OR): stress 85, 1 branch low in Clackamas, OR.
Vacancy and permits, Clackamas, OR
10,478 of 174,323 Clackamas, OR housing units are vacant; Clackamas, OR permits, twelve months: 112 multifamily units in Clackamas, OR, 990 one-to-four unit units.
Work Clackamas, OR at the parcel level
Every Clackamas, OR parcel carries owner and address; every Clackamas, OR parcel carries APN; Clackamas, OR distress scores sit on the Clackamas, OR live board.
Clackamas, OR figures refresh with each source.
Clackamas, OR questions
Most distressed ZIP code in Clackamas County, OR?
ZIP 97004 leads Clackamas, OR at 30/100; next in Clackamas, OR: 97009 at 30/100; the Clackamas, OR average is 29/100.
Where does Clackamas County, OR rank for investment opportunity?
Clackamas, OR is #2,301 among all ranked counties, #25 in Oregon; the Clackamas, OR driver is bank institutional; Clackamas, OR moved up 244 places.
How many mortgages are delinquent in Clackamas County, OR?
0.5% of Clackamas, OR mortgages were ninety-plus days late in December 2025; the Clackamas, OR peak since 2008 was 3.9%.
Which banks lend in Clackamas County, OR?
4 watched lenders hold Clackamas, OR branches; the largest Clackamas, OR footprints are Columbia Bank (8), Clackamas County Bank (3), Pacific West Bank (2).
More on Clackamas, OR
Clackamas County, OR distress report: public-record figures for Clackamas, OR; not legal advice for Clackamas, OR; not tax or investment advice; verify every Clackamas, OR record before acting.