Cumberland County, ME Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Cumberland County, ME distress report, 2026: 38 ZIPs scored in Cumberland, ME, Cumberland, ME average 24/100; the top Cumberland, ME ZIP is 04003 at 24/100; Cumberland, ME market phase peak, Cumberland, ME prices +4.2% year over year.
- Cumberland, ME ranks #2,280 nationally (opportunity index); Cumberland, ME #13 in Maine; Cumberland, ME index 26.8.
- Cumberland, ME ninety-day mortgage delinquency 0.6% in December 2025; Cumberland, ME twelve-month change -0.1%.
- Cumberland, ME ZIP phases: 38 peak.
- Cumberland, ME residential listings tracked: 332 across 38 ZIPs; Cumberland, ME candidate listings 59.
- Cumberland, ME HUD assisted properties: 25 with 1,115 units.
- Cumberland, ME lenders on watch: 8; largest Cumberland, ME footprint Maine Community Bank (16 branches).
- Cumberland, ME most distressed ZIP: 04003 at 24/100.
Cumberland, ME figures: DLRadar distress index; Cumberland, ME inputs: CFPB, FHFA, HUD, FDIC; Cumberland, ME rebuilt as sources refresh.
| Rank | Cumberland, ME ZIP | Score |
|---|---|---|
| 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 Cumberland, ME ZIPs (0-100, 2026)
Mortgage delinquency in Cumberland, ME
0.6% of Cumberland, ME mortgages were ninety-plus days late (Cumberland, ME, December 2025); Cumberland, ME thirty-to-eighty-nine days late: 1.5%; Cumberland, ME twelve-month change -0.1%; Cumberland, ME peak since 2008: 3.4% (February 2010); Maine overall 0.9%. Cumberland, ME ninety-day series: Dec 24 0.7, Jan 25 0.6, Feb 25 0.7 (Cumberland, ME), Mar 25 0.6, Apr 25 0.5, May 25 0.5 (Cumberland, ME), Jun 25 0.5, Jul 25 0.5, Aug 25 0.6 (Cumberland, ME), Sep 25 0.5, Oct 25 0.6, Nov 25 0.5 (Cumberland, ME), Dec 25 0.6.
Opportunity index: Cumberland, ME
Cumberland, ME index 26.8, Cumberland, ME phase weak; Cumberland, ME primary driver vacancy, Cumberland, ME second driver bank institutional. Cumberland, ME components: property stress 22.0, foreclosure pressure 23.0, listing discounts 24.2, bank stress 55.3, insurance 0.0; Cumberland, ME pulse 29.2; Cumberland, ME capital opportunity 23.3; Cumberland, ME seven-day change +0.4%.
ZIP market phases inside Cumberland, ME
38 Cumberland, ME ZIPs carry a price-cycle phase; Cumberland, ME ZIPs by phase (Cumberland, ME), deepest drawdown first: peak, +3.2% YoY, 0.3% off peak (Cumberland, ME): 04040; peak, +4.2% YoY (Cumberland, ME): 04003, 04009, 04011, 04015, Cumberland, ME 04017, 04019, 04021, 04024, Cumberland, ME 04029, 04032, 04038, 04039, Cumberland, ME 04050, 04055, 04057.
Residential listings by Cumberland, ME ZIP
Cumberland, ME ZIPs with the most tracked Cumberland, ME residential listings: 04106 51 listings, 5 candidates, bank pressure 63; 04011 48 listings, 11 candidates, bank pressure 63; 04074 46 listings, 9 candidates, bank pressure 63; 04105 38 listings, 8 candidates, bank pressure 63 (Cumberland, ME); 04103 32 listings, 5 candidates, bank pressure 63; 04107 32 listings, 2 candidates, bank pressure 63; 04096 27 listings, 0 candidates, bank pressure 63; 04101 15 listings, 4 candidates, bank pressure 63. Cumberland, ME totals: 332 listings; Cumberland, ME candidates 59; active ZIPs 8.
HUD assisted housing in Cumberland, ME
25 assisted properties with 1,115 units sit in Cumberland, ME; largest Cumberland, ME properties: Deering Pavilion (Portland) 200 units, 110 assisted; Danforth Heights (Portland) 166 units, 137 assisted; Munjoy South Townhouses (Portland) 140 units in Cumberland, ME; Deering Place (Portland) 75 units; Bayview Heights (Portland) 60 units, 59 assisted; North School (Portland) 60 units, 60 assisted.
Lenders with branches in Cumberland, ME
Cumberland, ME lenders by branch count: Maine Community Bank (Cumberland, ME): stress 69, 16 branches low in Cumberland, ME; Norway Savings Bank (Cumberland, ME): stress 56, 16 branches low in Cumberland, ME; Bangor Savings Bank (Cumberland, ME): stress 94, 10 branches low in Cumberland, ME; Bath Savings Institution (Cumberland, ME): stress 59, 9 branches low in Cumberland, ME; Saco&Biddeford Svg Inst (Cumberland, ME): stress 88, 4 branches low in Cumberland, ME; Camden National Bank (Cumberland, ME): stress 61, 4 branches low in Cumberland, ME; Northeast Bank (Cumberland, ME): stress 35, 4 branches low in Cumberland, ME; Androscoggin Savings Bank (Cumberland, ME): stress 74, 3 branches low in Cumberland, ME.
Vacancy and permits, Cumberland, ME
21,118 of 153,286 Cumberland, ME housing units are vacant; Cumberland, ME permits, twelve months: 1,241 multifamily units in Cumberland, ME, 924 one-to-four unit units.
Work Cumberland, ME at the parcel level
Every Cumberland, ME parcel carries owner and address; every Cumberland, ME parcel carries APN; Cumberland, ME distress scores sit on the Cumberland, ME live board.
Cumberland, ME figures refresh with each source.
Cumberland, ME questions
Most distressed ZIP code in Cumberland County, ME?
ZIP 04003 leads Cumberland, ME at 24/100; next in Cumberland, ME: 04009 at 24/100; the Cumberland, ME average is 24/100.
Where does Cumberland County, ME rank for investment opportunity?
Cumberland, ME is #2,280 among all ranked counties, #13 in Maine; the Cumberland, ME driver is vacancy; Cumberland, ME moved up 247 places.
How many mortgages are delinquent in Cumberland County, ME?
0.6% of Cumberland, ME mortgages were ninety-plus days late in December 2025; the Cumberland, ME peak since 2008 was 3.4%.
Which banks lend in Cumberland County, ME?
8 watched lenders hold Cumberland, ME branches; the largest Cumberland, ME footprints are Maine Community Bank (16), Norway Savings Bank (16), Bangor Savings Bank (10).
More on Cumberland, ME
Cumberland County, ME distress report: public-record figures for Cumberland, ME; not legal advice for Cumberland, ME; not tax or investment advice; verify every Cumberland, ME record before acting.