Clearwater County, ID Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Clearwater County, Idaho? DLRadar grades every Clearwater County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 23/100. Here is the 2026 Clearwater County breakdown.
- Clearwater County's most distressed ZIP is 83537 at 23/100.
- 7 ZIP codes tracked in Clearwater County, averaging 19/100 distress.
- Clearwater County reads peak — home values up 1.5% year over year.
- Vacancy runs 27.1% across Clearwater County's tracked ZIPs, with a 16.6% poverty rate.
- The typical Clearwater County home is worth about $263,883 against a ~$61,847 median income.
- Lending headwind in Clearwater County sits at 42/100 — a forward read on distressed supply.
Source data is DLRadar's monthly public-record index. Citation welcome, with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 83537 | 23/100 |
| 2 | 83541 | 23/100 |
| 3 | 83520 | 18/100 |
| 4 | 83546 | 18/100 |
| 5 | 83553 | 18/100 |
| 6 | 83827 | 18/100 |
| 7 | 83544 | 17/100 |
Most distressed ZIP codes in Clearwater County (composite distress 0-100, 2026)
What is driving Clearwater County distress
Clearwater County's placement in the national index rests on public filings — a 19/100 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.
Clearwater County market phase and pricing
Phase for Clearwater County: peak (+1.5% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Clearwater County
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Questions and answers
Which Clearwater County ZIP scores worst for distress?
ZIP 83537 leads Clearwater County at 23/100, recomputed monthly from public records.
What market phase is Clearwater County in?
Clearwater County reads peak, with home prices up 1.5% year over year. Phase comes from FHFA House Price Index trajectory.
Where does the Clearwater County data come from?
The inputs are all public: FHFA for the peak path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 7 ZIP codes in Clearwater County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Clearwater County ZIP codes?
A county average hides the spread. Across the Clearwater County ZIPs DLRadar ranks, scores run from 23/100 in 83537 down to 17/100 in 83544, against a Clearwater County average of 19/100. A spread of 6 points means Clearwater County has to be worked ZIP by ZIP.
What do Clearwater County home values and vacancy say about distressed supply?
The typical Clearwater County home carries about $263,883 of value against a median household income near $61,847. Vacancy across Clearwater County's tracked ZIPs runs 27.1% and the poverty rate is 16.6%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Clearwater County's filings and its 42/100 lending headwind.
Related
DLRadar scores property distress from public records by deterministic formulas — not investment, legal, or financial advice. Figures refresh monthly from the live index.