Cumberland County, ME Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Cumberland County, Maine? DLRadar grades every Cumberland County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 24/100. Here is the 2026 Cumberland County breakdown.
- Cumberland County's most distressed ZIP is 04003 at 24/100.
- 38 ZIP codes tracked in Cumberland County, averaging 24/100 distress.
- Cumberland County reads peak — home values up 4.2% year over year.
- Vacancy runs 24.7% across Cumberland County's tracked ZIPs, with a 8.4% poverty rate.
- The typical Cumberland County home is worth about $513,968 against a ~$96,474 median income.
- Lending headwind in Cumberland County sits at 62/100 — a forward read on distressed supply.
Based on DLRadar's public-record distress index, updated every month. Free to cite with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 04003 | 24/100 |
| 2 | 04009 | 24/100 |
| 3 | 04011 | 24/100 |
| 4 | 04015 | 24/100 |
| 5 | 04017 | 24/100 |
| 6 | 04019 | 24/100 |
| 7 | 04021 | 24/100 |
| 8 | 04024 | 24/100 |
| 9 | 04029 | 24/100 |
| 10 | 04032 | 24/100 |
| 11 | 04038 | 24/100 |
| 12 | 04039 | 24/100 |
Most distressed ZIP codes in Cumberland County (composite distress 0-100, 2026)
What is driving Cumberland County distress
Cumberland County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 24/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Cumberland County market phase and pricing
Cumberland County reads peak — home prices rose 4.2% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Cumberland County
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What people ask
What is the hardest-hit ZIP in Cumberland County?
ZIP 04003 leads Cumberland County at 24/100, recomputed monthly from public records.
Which phase does Cumberland County sit in right now?
Cumberland County currently sits in peak, with values up 4.2% year on year, based on FHFA price-index trajectory.
Which datasets feed the Cumberland County scores?
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 38 ZIP codes in Cumberland County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Cumberland County ZIP codes?
Averaging the county conceals how uneven it is. Across the Cumberland County ZIPs DLRadar ranks, scores run from 24/100 in 04003 down to 24/100 in 04039, against a Cumberland County average of 24/100. Because the gap runs to 0 points, Cumberland County rewards ZIP-level precision.
What do Cumberland County home values and vacancy say about distressed supply?
The typical Cumberland County home carries about $513,968 of value against a median household income near $96,474. Vacancy across Cumberland County's tracked ZIPs runs 24.7% and the poverty rate is 8.4%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Cumberland County's foreclosure and tax-lien filings and its 62/100 lending headwind.
Related
These scores come from public filings run through fixed formulas. Nothing here is investment, legal or financial advice; the index refreshes monthly.