Deschutes County, OR Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Deschutes County, OR distress report, 2026: 10 ZIPs scored in Deschutes, OR, Deschutes, OR average 25/100; the top Deschutes, OR ZIP is 97701 at 26/100; Deschutes, OR market phase neutral, Deschutes, OR prices +0.5% year over year.
- Deschutes, OR ranks #1,116 nationally (opportunity index); Deschutes, OR #11 in Oregon; Deschutes, OR index 30.8.
- Deschutes, OR ninety-day mortgage delinquency 0.3% in December 2025; Deschutes, OR twelve-month change +0.1%.
- Deschutes, OR ZIP phases: 9 neutral, 1 contraction.
- Deschutes, OR residential listings tracked: 111 across 9 ZIPs; Deschutes, OR candidate listings 38.
- Deschutes, OR HUD assisted properties: 9 with 603 units.
- Deschutes, OR lenders on watch: 2; largest Deschutes, OR footprint Columbia Bank (6 branches).
- Deschutes, OR most distressed ZIP: 97701 at 26/100.
Deschutes, OR figures: DLRadar distress index; Deschutes, OR inputs: CFPB, FHFA, HUD, FDIC; Deschutes, OR rebuilt as sources refresh.
| Rank | Deschutes, OR ZIP | Score |
|---|---|---|
| 1 | 97701 | 26/100 |
| 2 | 97702 | 26/100 |
| 3 | 97703 | 26/100 |
| 4 | 97707 | 26/100 |
| 5 | 97709 | 26/100 |
| 6 | 97712 | 26/100 |
| 7 | 97739 | 26/100 |
| 8 | 97756 | 25/100 |
| 9 | 97759 | 24/100 |
| 10 | 97760 | 22/100 |
Most distressed Deschutes, OR ZIPs (0-100, 2026)
Mortgage delinquency in Deschutes, OR
0.3% of Deschutes, OR mortgages were ninety-plus days late (Deschutes, OR, December 2025); Deschutes, OR thirty-to-eighty-nine days late: 0.8%; Deschutes, OR twelve-month change +0.1%; Deschutes, OR peak since 2008: 5.7% (January 2010); Oregon overall 0.6%. Deschutes, OR ninety-day series: Dec 24 0.2, Jan 25 0.2, Feb 25 0.2 (Deschutes, OR), Mar 25 0.2, Apr 25 0.4, May 25 0.5 (Deschutes, OR), Jun 25 0.4, Jul 25 0.4, Aug 25 0.3 (Deschutes, OR), Sep 25 0.3, Oct 25 0.3, Nov 25 0.2 (Deschutes, OR), Dec 25 0.3.
Opportunity index: Deschutes, OR
Deschutes, OR index 30.8, Deschutes, OR phase watchlist; Deschutes, OR primary driver bank institutional, Deschutes, OR second driver vacancy. Deschutes, OR components: property stress 25.7, foreclosure pressure 29.4, listing discounts 28.3, bank stress 60.0, insurance 0.0; Deschutes, OR pulse 35.0; Deschutes, OR capital opportunity 24.5; Deschutes, OR seven-day change -0.6%.
ZIP market phases inside Deschutes, OR
10 Deschutes, OR ZIPs carry a price-cycle phase; Deschutes, OR ZIPs by phase (Deschutes, OR), deepest drawdown first: contraction, -0.4% YoY, 1.1% off peak (Deschutes, OR): 97759; neutral, +0.5% YoY, 0.4% off peak (Deschutes, OR): 97701, 97702, 97703, 97707, Deschutes, OR 97709, 97712, 97760, 97756; neutral, +0.7% YoY, 0.3% off peak (Deschutes, OR): 97739.
Residential listings by Deschutes, OR ZIP
Deschutes, OR ZIPs with the most tracked Deschutes, OR residential listings: 97702 23 listings, 8 candidates, bank pressure 65; 97701 21 listings, 9 candidates, bank pressure 65; 97739 19 listings, 5 candidates, bank pressure 64; 97703 14 listings, 4 candidates, bank pressure 65 (Deschutes, OR); 97756 13 listings, 5 candidates, bank pressure 65; 97707 12 listings, 6 candidates, bank pressure 65; 97760 9 listings, 1 candidates, bank pressure 64; 97709 0 listings, 0 candidates, bank pressure 65. Deschutes, OR totals: 111 listings; Deschutes, OR candidates 38; active ZIPs 0.
HUD assisted housing in Deschutes, OR
9 assisted properties with 603 units sit in Deschutes, OR; largest Deschutes, OR properties: Ariel Glen And Healy Heights (Bend) 140 units; Eagle Landing Apartments (Bend) 132 units; Ariel South Apartments (Bend) 97 units in Deschutes, OR; The Bluffs Apartments (Redmond) 96 units; Pilot Butte I Retirement Center (Bend) 58 units, 58 assisted; Aspen Villas (Redmond) 40 units.
Lenders with branches in Deschutes, OR
Deschutes, OR lenders by branch count: Columbia Bank (Deschutes, OR): stress 58, 6 branches low in Deschutes, OR; Summit Bank (Deschutes, OR): stress 58, 2 branches low in Deschutes, OR.
Vacancy and permits, Deschutes, OR
14,364 of 99,297 Deschutes, OR housing units are vacant; Deschutes, OR permits, twelve months: 871 multifamily units in Deschutes, OR, 1,528 one-to-four unit units.
Work Deschutes, OR at the parcel level
Every Deschutes, OR parcel carries owner and address; every Deschutes, OR parcel carries APN; Deschutes, OR distress scores sit on the Deschutes, OR live board.
Deschutes, OR figures refresh with each source.
Deschutes, OR questions
Most distressed ZIP code in Deschutes County, OR?
ZIP 97701 leads Deschutes, OR at 26/100; next in Deschutes, OR: 97702 at 26/100; the Deschutes, OR average is 25/100.
Where does Deschutes County, OR rank for investment opportunity?
Deschutes, OR is #1,116 among all ranked counties, #11 in Oregon; the Deschutes, OR driver is bank institutional; Deschutes, OR moved down 68 places.
How many mortgages are delinquent in Deschutes County, OR?
0.3% of Deschutes, OR mortgages were ninety-plus days late in December 2025; the Deschutes, OR peak since 2008 was 5.7%.
Which banks lend in Deschutes County, OR?
2 watched lenders hold Deschutes, OR branches; the largest Deschutes, OR footprints are Columbia Bank (6), Summit Bank (2).
More on Deschutes, OR
Deschutes County, OR distress report: public-record figures for Deschutes, OR; not legal advice for Deschutes, OR; not tax or investment advice; verify every Deschutes, OR record before acting.