Franklin County, ME Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Franklin County, Maine? DLRadar grades every Franklin County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 23/100. Here is the 2026 Franklin County breakdown.
- Franklin County's most distressed ZIP is 04964 at 23/100.
- 18 ZIP codes tracked in Franklin County, averaging 17/100 distress.
- Franklin County reads peak — home values up 2.0% year over year, 0.7% off peak.
- Vacancy runs 44.9% across Franklin County's tracked ZIPs, with a 13% poverty rate.
- The typical Franklin County home is worth about $228,840 against a ~$60,158 median income.
- Lending headwind in Franklin County sits at 34/100 — a forward read on distressed supply.
Figures: DLRadar distress index, rebuilt monthly from public filings. Free to reuse with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 04964 | 23/100 |
| 2 | 04224 | 21/100 |
| 3 | 04234 | 16/100 |
| 4 | 04239 | 16/100 |
| 5 | 04285 | 16/100 |
| 6 | 04294 | 16/100 |
| 7 | 04936 | 16/100 |
| 8 | 04938 | 16/100 |
| 9 | 04940 | 16/100 |
| 10 | 04947 | 16/100 |
| 11 | 04955 | 16/100 |
| 12 | 04956 | 16/100 |
Most distressed ZIP codes in Franklin County (composite distress 0-100, 2026)
What is driving Franklin County distress
Franklin County's placement in the national index rests on public filings — a 17/100 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.
Franklin County market phase and pricing
Franklin County currently sits in peak after a 2.0% gain in the past twelve months, 0.7% off the high. Slower absorption is the mechanism that converts price weakness into motivated supply.
See the distressed properties behind the data in Franklin County
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Common questions
What is the most distressed ZIP code in Franklin County, ME?
ZIP 04964 leads Franklin County at 23/100, recomputed monthly from public records.
Which phase does Franklin County sit in right now?
Franklin County is classified peak with a 2.0% year-over-year increase, following the FHFA House Price Index.
Which datasets feed the Franklin 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 18 ZIP codes in Franklin County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Franklin County ZIP codes?
One county number flattens a wide range. Across the Franklin County ZIPs DLRadar ranks, scores run from 23/100 in 04964 down to 16/100 in 04956, against a Franklin County average of 17/100. Those 7 points separate the ZIPs worth working in Franklin County from the rest.
What do Franklin County home values and vacancy say about distressed supply?
The typical Franklin County home carries about $228,840 of value against a median household income near $60,158. Vacancy across Franklin County's tracked ZIPs runs 44.9% and the poverty rate is 13%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Franklin County's filings and its 34/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.