Jackson County, OR Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Jackson County, OR distress report, 2026: 18 ZIPs scored in Jackson, OR, Jackson, OR average 33/100; the top Jackson, OR ZIP is 97497 at 50/100; Jackson, OR market phase peak, Jackson, OR prices +3.7% year over year.
- Jackson, OR ranks #2,055 nationally (opportunity index); Jackson, OR #19 in Oregon; Jackson, OR index 27.5.
- Jackson, OR ninety-day mortgage delinquency 0.6% in December 2025; Jackson, OR twelve-month change 0.0%.
- Jackson, OR ZIP phases: 15 peak, 3 contraction.
- Jackson, OR residential listings tracked: 103 across 15 ZIPs; Jackson, OR candidate listings 50.
- Jackson, OR HUD assisted properties: 15 with 1,106 units.
- Jackson, OR lenders on watch: 4; largest Jackson, OR footprint Columbia Bank (6 branches).
- Jackson, OR most distressed ZIP: 97497 at 50/100.
Jackson, OR figures: DLRadar distress index; Jackson, OR inputs: CFPB, FHFA, HUD, FDIC; Jackson, OR rebuilt as sources refresh.
| Rank | Jackson, OR ZIP | Score |
|---|---|---|
| 1 | 97497 | 50/100 |
| 2 | 97526 | 50/100 |
| 3 | 97527 | 50/100 |
| 4 | 97501 | 30/100 |
| 5 | 97502 | 30/100 |
| 6 | 97503 | 30/100 |
| 7 | 97504 | 30/100 |
| 8 | 97520 | 30/100 |
| 9 | 97522 | 30/100 |
| 10 | 97524 | 30/100 |
| 11 | 97525 | 30/100 |
| 12 | 97530 | 30/100 |
Most distressed Jackson, OR ZIPs (0-100, 2026)
Mortgage delinquency in Jackson, OR
0.6% of Jackson, OR mortgages were ninety-plus days late (Jackson, OR, December 2025); Jackson, OR thirty-to-eighty-nine days late: 1.4%; Jackson, OR twelve-month change 0.0%; Jackson, OR peak since 2008: 4.8% (October 2009); Oregon overall 0.6%. Jackson, OR ninety-day series: Dec 24 0.6, Jan 25 0.7, Feb 25 0.6 (Jackson, OR), Mar 25 0.2, Apr 25 0.5, May 25 0.6 (Jackson, OR), Jun 25 0.6, Jul 25 0.6, Aug 25 0.6 (Jackson, OR), Sep 25 0.7, Oct 25 0.9, Nov 25 0.7 (Jackson, OR), Dec 25 0.6.
Opportunity index: Jackson, OR
Jackson, OR index 27.5, Jackson, OR phase weak; Jackson, OR primary driver bank institutional, Jackson, OR second driver construction. Jackson, OR components: property stress 21.2, foreclosure pressure 21.2, listing discounts 26.2, bank stress 54.0, insurance 1.4; Jackson, OR pulse 29.8; Jackson, OR capital opportunity 24.0; Jackson, OR seven-day change -0.5%.
ZIP market phases inside Jackson, OR
18 Jackson, OR ZIPs carry a price-cycle phase; Jackson, OR ZIPs by phase (Jackson, OR), deepest drawdown first: contraction, -6.4% YoY, 6.4% off peak (Jackson, OR): 97526; contraction, -5.9% YoY, 6.1% off peak (Jackson, OR): 97497; contraction, -5.1% YoY, 5.6% off peak (Jackson, OR): 97527; peak, +1.7% YoY, 1.3% off peak (Jackson, OR): 97530; peak, +3.7% YoY (Jackson, OR): 97501, 97502, 97503, 97504, Jackson, OR 97520, 97522, 97524, 97525, Jackson, OR 97535, 97536, 97537, 97539.
Residential listings by Jackson, OR ZIP
Jackson, OR ZIPs with the most tracked Jackson, OR residential listings: 97501 21 listings, 14 candidates, bank pressure 56; 97504 17 listings, 5 candidates, bank pressure 56; 97502 13 listings, 4 candidates, bank pressure 56; 97520 9 listings, 4 candidates, bank pressure 56 (Jackson, OR); 97524 9 listings, 6 candidates, bank pressure 56; 97525 7 listings, 5 candidates, bank pressure 56; 97535 7 listings, 7 candidates, bank pressure 56; 97503 6 listings, 1 candidates, bank pressure 56. Jackson, OR totals: 103 listings; Jackson, OR candidates 50; active ZIPs 13.
HUD assisted housing in Jackson, OR
15 assisted properties with 1,106 units sit in Jackson, OR; largest Jackson, OR properties: Charles Point Apartments (Phase Iv) (Medford) 201 units; Orchard Glen Estates (West Medford) 201 units; Valley Pines Apartments (Medford) 120 units in Jackson, OR; Ish Ranch Estates (Medford) 104 units; Barnett Townhomes (Medford) 82 units; Pine Creek Estate (Medford) 72 units.
Lenders with branches in Jackson, OR
Jackson, OR lenders by branch count: Columbia Bank (Jackson, OR): stress 58, 6 branches low in Jackson, OR; Peoples Bank Of Commerce (Jackson, OR): stress 47, 5 branches low in Jackson, OR; Evergreen Federal Bank (Jackson, OR): stress 63, 3 branches low in Jackson, OR; Oregon Pacific Bk Dba Or Pac (Jackson, OR): stress 62, 2 branches low in Jackson, OR.
Vacancy and permits, Jackson, OR
5,956 of 97,991 Jackson, OR housing units are vacant; Jackson, OR permits, twelve months: 397 multifamily units in Jackson, OR, 553 one-to-four unit units.
Work Jackson, OR at the parcel level
Every Jackson, OR parcel carries owner and address; every Jackson, OR parcel carries APN; Jackson, OR distress scores sit on the Jackson, OR live board.
Jackson, OR figures refresh with each source.
Jackson, OR questions
Most distressed ZIP code in Jackson County, OR?
ZIP 97497 leads Jackson, OR at 50/100; next in Jackson, OR: 97526 at 50/100; the Jackson, OR average is 33/100.
Where does Jackson County, OR rank for investment opportunity?
Jackson, OR is #2,055 among all ranked counties, #19 in Oregon; the Jackson, OR driver is bank institutional; Jackson, OR moved up 283 places.
How many mortgages are delinquent in Jackson County, OR?
0.6% of Jackson, OR mortgages were ninety-plus days late in December 2025; the Jackson, OR peak since 2008 was 4.8%.
Which banks lend in Jackson County, OR?
4 watched lenders hold Jackson, OR branches; the largest Jackson, OR footprints are Columbia Bank (6), Peoples Bank Of Commerce (5), Evergreen Federal Bank (3).
More on Jackson, OR
Jackson County, OR distress report: public-record figures for Jackson, OR; not legal advice for Jackson, OR; not tax or investment advice; verify every Jackson, OR record before acting.