Gem County, ID Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Gem County, Idaho? DLRadar grades every Gem County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 20/100. Here is the 2026 Gem County breakdown.
- Gem County's most distressed ZIP is 83616 at 20/100.
- 7 ZIP codes tracked in Gem County, averaging 15/100 distress.
- Gem County reads neutral — home values up 3.8% year over year.
- Vacancy runs 10% across Gem County's tracked ZIPs, with a 6.1% poverty rate.
- The typical Gem County home is worth about $527,483 against a ~$91,990 median income.
- Lending headwind in Gem County sits at 48/100 — a forward read on distressed supply.
Data: DLRadar public-record property-distress index, refreshed monthly. Free to cite with attribution to DLRadar (dlradar.com) — a link back is appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 83616 | 20/100 |
| 2 | 83607 | 16/100 |
| 3 | 83629 | 16/100 |
| 4 | 83617 | 14/100 |
| 5 | 83636 | 14/100 |
| 6 | 83657 | 14/100 |
| 7 | 83670 | 14/100 |
Most distressed ZIP codes in Gem County (composite distress 0-100, 2026)
What is driving Gem County distress
DLRadar builds Gem County's distress picture only from records anyone can pull; its ZIPs average 15/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Gem County market phase and pricing
Gem County currently sits in neutral after a 3.8% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
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What people ask
Which ZIP code leads Gem County on distress?
ZIP 83616 leads Gem County at 20/100, recomputed monthly from public records.
What stage of the price cycle is Gem County at?
Gem County currently sits in neutral, with values up 3.8% year on year, based on FHFA price-index trajectory.
Can the Gem County figures be verified?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 7 Gem County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Gem County ZIP codes?
One county number flattens a wide range. Across the Gem County ZIPs DLRadar ranks, scores run from 20/100 in 83616 down to 14/100 in 83670, against a Gem County average of 15/100. With 6 points between best and worst, county-level targeting in Gem County wastes effort.
What do Gem County home values and vacancy say about distressed supply?
The typical Gem County home carries about $527,483 of value against a median household income near $91,990. Vacancy across Gem County's tracked ZIPs runs 10% and the poverty rate is 6.1%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Gem County's foreclosure and tax-lien record and its 48/100 lending headwind.
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Produced by fixed formulas over public records — research, not investment, legal or financial advice. The underlying index updates monthly.