Deschutes County, OR Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Deschutes County, Oregon? DLRadar grades every Deschutes County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 27/100. Here is the 2026 Deschutes County breakdown.
- Deschutes County's most distressed ZIP is 97702 at 27/100.
- 10 ZIP codes tracked in Deschutes County, averaging 26/100 distress.
- Deschutes County reads neutral — home values up 0.5% year over year, 0.4% off peak.
- Vacancy runs 21.5% across Deschutes County's tracked ZIPs, with a 12.5% poverty rate.
- The typical Deschutes County home is worth about $635,550 against a ~$88,543 median income.
- Lending headwind in Deschutes County sits at 52/100 — a forward read on distressed supply.
Data drawn from the DLRadar distress index, recomputed monthly from public filings. Cite with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 97702 | 27/100 |
| 2 | 97703 | 27/100 |
| 3 | 97707 | 27/100 |
| 4 | 97709 | 27/100 |
| 5 | 97712 | 27/100 |
| 6 | 97701 | 26/100 |
| 7 | 97739 | 26/100 |
| 8 | 97756 | 26/100 |
| 9 | 97759 | 23/100 |
| 10 | 97760 | 23/100 |
Most distressed ZIP codes in Deschutes County (composite distress 0-100, 2026)
What is driving Deschutes County distress
DLRadar builds Deschutes County's distress picture only from records anyone can pull; its ZIPs average 26/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Deschutes County market phase and pricing
The cycle in Deschutes County is neutral, with values up 0.5% year over year and 0.4% below peak. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
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Questions and answers
Which part of Deschutes County, OR scores highest for distress?
ZIP 97702 leads Deschutes County at 27/100, recomputed monthly from public records.
What market phase is Deschutes County in?
Deschutes County reads neutral, with home prices up 0.5% year over year. Phase comes from FHFA House Price Index trajectory.
What are the sources behind these Deschutes County numbers?
Every Deschutes County figure traces to a public source — FHFA House Price Index for the neutral trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 10 Deschutes County ZIP codes that it runs on every other U.S. county, so Deschutes County's numbers are directly comparable to any other market.
How much do distress scores vary between Deschutes County ZIP codes?
Averaging the county conceals how uneven it is. Across the Deschutes County ZIPs DLRadar ranks, scores run from 27/100 in 97702 down to 23/100 in 97760, against a Deschutes County average of 26/100. The 4-point range is the argument for ZIP-level search across Deschutes County.
What do Deschutes County home values and vacancy say about distressed supply?
The typical Deschutes County home carries about $635,550 of value against a median household income near $88,543. Vacancy across Deschutes County's tracked ZIPs runs 21.5% and the poverty rate is 12.5%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Deschutes County's foreclosure and lien data and its 52/100 lending headwind.
Related
A deterministic scoring of public filings. Nothing on this page constitutes investment, legal or financial advice. Monthly refresh from the live index.