Josephine County, OR Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Josephine County, Oregon? DLRadar grades every Josephine County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 51/100. Here is the 2026 Josephine County breakdown.
- Josephine County's most distressed ZIP is 97523 at 51/100.
- 11 ZIP codes tracked in Josephine County, averaging 49/100 distress.
- Josephine County reads contraction — home values down 6.5% year over year, 6.5% off peak.
- Vacancy runs 12% across Josephine County's tracked ZIPs, with a 15.8% poverty rate.
- The typical Josephine County home is worth about $430,230 against a ~$63,336 median income.
- Lending headwind in Josephine County sits at 48/100 — a forward read on distressed supply.
Based on DLRadar's public-record distress index, updated every month. Free to cite with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 97523 | 51/100 |
| 2 | 97526 | 51/100 |
| 3 | 97531 | 51/100 |
| 4 | 97532 | 51/100 |
| 5 | 97534 | 51/100 |
| 6 | 97538 | 51/100 |
| 7 | 97543 | 51/100 |
| 8 | 97544 | 51/100 |
| 9 | 97497 | 50/100 |
| 10 | 97527 | 50/100 |
| 11 | 97530 | 30/100 |
Most distressed ZIP codes in Josephine County (composite distress 0-100, 2026)
What is driving Josephine County distress
Nothing here is estimated: Josephine County is scored from filings alone, and its ZIPs average 49/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Josephine County market phase and pricing
Josephine County currently sits in contraction after a 6.5% decline in the past twelve months, 6.5% off the high. Slower absorption is the mechanism that converts price weakness into motivated supply.
See the distressed properties behind the data in Josephine County
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Questions about this county
Which part of Josephine County, OR scores highest for distress?
ZIP 97523 leads Josephine County at 51/100, recomputed monthly from public records.
Is Josephine County expanding or contracting?
Phase for Josephine County: contraction, tracking a 6.5% decline year over year, read off the FHFA index.
Can the Josephine County figures be verified?
The inputs are all public: FHFA for the contraction path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 11 ZIP codes in Josephine County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Josephine County ZIP codes?
One county number flattens a wide range. Across the Josephine County ZIPs DLRadar ranks, scores run from 51/100 in 97523 down to 30/100 in 97530, against a Josephine County average of 49/100. That 21-point gap is why acquisition targeting in Josephine County works at ZIP level rather than county level.
What do Josephine County home values and vacancy say about distressed supply?
The typical Josephine County home carries about $430,230 of value against a median household income near $63,336. Vacancy across Josephine County's tracked ZIPs runs 12% and the poverty rate is 15.8%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Josephine County's foreclosure and tax-lien filings and its 48/100 lending headwind.
Related
These scores come from public filings run through fixed formulas. Nothing here is investment, legal or financial advice; the index refreshes monthly.