Harlan County, NE Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Harlan County, NE distress report, 2026: 8 ZIPs scored in Harlan, NE, Harlan, NE average 15/100; the top Harlan, NE ZIP is 68977 at 17/100; Harlan, NE market phase peak, Harlan, NE prices +3.3% year over year.
- Harlan, NE ranks #2,585 nationally (opportunity index); Harlan, NE #67 in Nebraska; Harlan, NE index 25.5.
- Harlan, NE: no CFPB county sample; Harlan, NE non-metro area reading 0.8%.
- Harlan, NE ZIP phases: 8 peak.
- Harlan, NE residential listings tracked: 0 across 4 ZIPs; Harlan, NE candidate listings 0.
- Harlan, NE lenders on watch: 4; largest Harlan, NE footprint First State Bank (2 branches).
- Harlan, NE most distressed ZIP: 68977 at 17/100.
Harlan, NE figures: DLRadar distress index; Harlan, NE inputs: CFPB, FHFA, HUD, FDIC; Harlan, NE rebuilt as sources refresh.
| Rank | Harlan, NE ZIP | Score |
|---|---|---|
| 1 | 68977 | 17/100 |
| 2 | 68967 | 16/100 |
| 3 | 68920 | 15/100 |
| 4 | 68960 | 15/100 |
| 5 | 68966 | 15/100 |
| 6 | 68971 | 15/100 |
| 7 | 68949 | 14/100 |
| 8 | 68982 | 14/100 |
Most distressed Harlan, NE ZIPs (0-100, 2026)
Mortgage delinquency around Harlan, NE
No CFPB county sample covers Harlan, NE; the non-metro area reading for Harlan, NE: 0.8% ninety-plus; Harlan, NE area thirty-to-eighty-nine 2.1% (December 2025, Harlan, NE); Nebraska overall 0.6%.
Opportunity index: Harlan, NE
Harlan, NE index 25.5, Harlan, NE phase weak; Harlan, NE primary driver vacancy, Harlan, NE second driver construction. Harlan, NE components: property stress 14.3, foreclosure pressure 14.9, listing discounts 4.6, bank stress 44.3, insurance 0.0; Harlan, NE pulse 31.9; Harlan, NE capital opportunity 15.8.
ZIP market phases inside Harlan, NE
8 Harlan, NE ZIPs carry a price-cycle phase; Harlan, NE ZIPs by phase (Harlan, NE), deepest drawdown first: peak, +3.3% YoY (Harlan, NE): 68920, 68949, 68960, 68966, Harlan, NE 68967, 68971, 68977, 68982.
Residential listings by Harlan, NE ZIP
Harlan, NE ZIPs with the most tracked Harlan, NE residential listings: 68920 0 listings, 0 candidates, bank pressure 30; 68966 0 listings, 0 candidates, bank pressure 30; 68971 0 listings, 0 candidates, bank pressure 30; 68977 0 listings, 0 candidates, bank pressure 38 (Harlan, NE). Harlan, NE totals: 0 listings; Harlan, NE candidates 0; active ZIPs 0.
Lenders with branches in Harlan, NE
Harlan, NE lenders by branch count: First State Bank (Harlan, NE): stress 51, 2 branches low in Harlan, NE; Banner Capital Bank (Harlan, NE): stress 50, 1 branch low in Harlan, NE; Commercial State Bank (Harlan, NE): stress 20, 1 branch low in Harlan, NE; Heritage Bank (Harlan, NE): stress 0, 1 branch low in Harlan, NE.
Vacancy and permits, Harlan, NE
687 of 1,884 Harlan, NE housing units are vacant.
Work Harlan, NE at the parcel level
Every Harlan, NE parcel carries owner and address; every Harlan, NE parcel carries APN; Harlan, NE distress scores sit on the Harlan, NE live board.
Harlan, NE figures refresh with each source.
Harlan, NE questions
Most distressed ZIP code in Harlan County, NE?
ZIP 68977 leads Harlan, NE at 17/100; next in Harlan, NE: 68967 at 16/100; the Harlan, NE average is 15/100.
Where does Harlan County, NE rank for investment opportunity?
Harlan, NE is #2,585 among all ranked counties, #67 in Nebraska; the Harlan, NE driver is vacancy; Harlan, NE moved down 727 places.
How many mortgages are delinquent in Harlan County, NE?
Harlan, NE takes the non-metro area reading of 0.8% for December 2025; no CFPB county sample covers Harlan, NE.
Which banks lend in Harlan County, NE?
4 watched lenders hold Harlan, NE branches; the largest Harlan, NE footprints are First State Bank (2), Banner Capital Bank (1), Commercial State Bank (1).
More on Harlan, NE
Harlan County, NE distress report: public-record figures for Harlan, NE; not legal advice for Harlan, NE; not tax or investment advice; verify every Harlan, NE record before acting.