Josephine County, OR Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Josephine County, OR distress report, 2026: 11 ZIPs scored in Josephine, OR, Josephine, OR average 48/100; the top Josephine, OR ZIP is 97497 at 50/100; Josephine, OR market phase contraction, Josephine, OR prices -6.5% year over year.
- Josephine, OR ranks #620 nationally (opportunity index); Josephine, OR #2 in Oregon; Josephine, OR index 32.8.
- Josephine, OR: no CFPB county sample; Josephine, OR state reading 0.6%.
- Josephine, OR ZIP phases: 10 contraction, 1 peak.
- Josephine, OR residential listings tracked: 60 across 10 ZIPs; Josephine, OR candidate listings 23.
- Josephine, OR HUD assisted properties: 8 with 217 units.
- Josephine, OR lenders on watch: 3; largest Josephine, OR footprint Evergreen Federal Bank (2 branches).
- Josephine, OR most distressed ZIP: 97497 at 50/100.
Josephine, OR figures: DLRadar distress index; Josephine, OR inputs: CFPB, FHFA, HUD, FDIC; Josephine, OR rebuilt as sources refresh.
| Rank | Josephine, OR ZIP | Score |
|---|---|---|
| 1 | 97497 | 50/100 |
| 2 | 97523 | 50/100 |
| 3 | 97526 | 50/100 |
| 4 | 97527 | 50/100 |
| 5 | 97531 | 50/100 |
| 6 | 97532 | 50/100 |
| 7 | 97534 | 50/100 |
| 8 | 97538 | 50/100 |
| 9 | 97543 | 50/100 |
| 10 | 97544 | 50/100 |
| 11 | 97530 | 30/100 |
Most distressed Josephine, OR ZIPs (0-100, 2026)
Mortgage delinquency around Josephine, OR
No CFPB county sample covers Josephine, OR; the state reading for Josephine, OR: 0.6% ninety-plus; Josephine, OR area thirty-to-eighty-nine 1.2% (December 2025, Josephine, OR).
Opportunity index: Josephine, OR
Josephine, OR index 32.8, Josephine, OR phase overheated; Josephine, OR primary driver insurance distress, Josephine, OR second driver bank institutional. Josephine, OR components: property stress 31.2, foreclosure pressure 24.6, listing discounts 23.1, bank stress 54.6, insurance 60.7; Josephine, OR pulse 38.2; Josephine, OR capital opportunity 24.6; Josephine, OR seven-day change -0.7%.
ZIP market phases inside Josephine, OR
11 Josephine, OR ZIPs carry a price-cycle phase; Josephine, OR ZIPs by phase (Josephine, OR), deepest drawdown first: contraction, -6.5% YoY, 6.5% off peak (Josephine, OR): 97523, 97531, 97532, 97534, Josephine, OR 97538, 97543, 97544; contraction, -6.4% YoY, 6.4% off peak (Josephine, OR): 97526; contraction, -5.9% YoY, 6.1% off peak (Josephine, OR): 97497; contraction, -5.1% YoY, 5.6% off peak (Josephine, OR): 97527; peak, +1.7% YoY, 1.3% off peak (Josephine, OR): 97530.
Residential listings by Josephine, OR ZIP
Josephine, OR ZIPs with the most tracked Josephine, OR residential listings: 97527 20 listings, 7 candidates, bank pressure 59; 97526 14 listings, 7 candidates, bank pressure 59; 97523 9 listings, 4 candidates, bank pressure 61; 97497 6 listings, 2 candidates, bank pressure 59 (Josephine, OR); 97538 5 listings, 1 candidates, bank pressure 61; 97531 2 listings, 0 candidates, bank pressure 61; 97534 2 listings, 0 candidates, bank pressure 61; 97544 2 listings, 2 candidates, bank pressure 61. Josephine, OR totals: 60 listings; Josephine, OR candidates 23; active ZIPs 8.
HUD assisted housing in Josephine, OR
8 assisted properties with 217 units sit in Josephine, OR; largest Josephine, OR properties: Allen Ranch Estates (Grants Pass) 71 units; Foothill I Retirement Center (Grants Pass) 33 units, 33 assisted; Jade East Apts (Grants Pass) 30 units in Josephine, OR; Rivertree Apts (Grants Pass) 27 units; Foothill Ii Retirement Center (Grants Pass) 22 units, 22 assisted; Blackberry Knoll Apts (Grants Pass) 12 units, 11 assisted.
Lenders with branches in Josephine, OR
Josephine, OR lenders by branch count: Evergreen Federal Bank (Josephine, OR): stress 63, 2 branches low in Josephine, OR; Columbia Bank (Josephine, OR): stress 58, 2 branches low in Josephine, OR; Peoples Bank Of Commerce (Josephine, OR): stress 47, 1 branch low in Josephine, OR.
Vacancy and permits, Josephine, OR
2,788 of 39,503 Josephine, OR housing units are vacant; Josephine, OR permits, twelve months: 97 multifamily units in Josephine, OR, 162 one-to-four unit units.
Work Josephine, OR at the parcel level
Every Josephine, OR parcel carries owner and address; every Josephine, OR parcel carries APN; Josephine, OR distress scores sit on the Josephine, OR live board.
Josephine, OR figures refresh with each source.
Josephine, OR questions
Most distressed ZIP code in Josephine County, OR?
ZIP 97497 leads Josephine, OR at 50/100; next in Josephine, OR: 97523 at 50/100; the Josephine, OR average is 48/100.
Where does Josephine County, OR rank for investment opportunity?
Josephine, OR is #620 among all ranked counties, #2 in Oregon; the Josephine, OR driver is insurance distress; Josephine, OR moved down 162 places.
How many mortgages are delinquent in Josephine County, OR?
Josephine, OR takes the state reading of 0.6% for December 2025; no CFPB county sample covers Josephine, OR.
Which banks lend in Josephine County, OR?
3 watched lenders hold Josephine, OR branches; the largest Josephine, OR footprints are Evergreen Federal Bank (2), Columbia Bank (2), Peoples Bank Of Commerce (1).
More on Josephine, OR
Josephine County, OR distress report: public-record figures for Josephine, OR; not legal advice for Josephine, OR; not tax or investment advice; verify every Josephine, OR record before acting.