Lake County, OR Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Lake County, Oregon? DLRadar grades every Lake County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 18/100. Here is the 2026 Lake County breakdown.
- Lake County's most distressed ZIP is 97758 at 18/100.
- 10 ZIP codes tracked in Lake County, averaging 11/100 distress.
- Lake County reads recovery — home values up 2.5% year over year.
- Vacancy runs 37.7% across Lake County's tracked ZIPs, with a 14.8% poverty rate.
- The typical Lake County home is worth about $277,125 against a ~$58,639 median income.
- Lending headwind in Lake County sits at 62/100 — a forward read on distressed supply.
All numbers: DLRadar's monthly public-record distress index. Reuse is welcome with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 97758 | 18/100 |
| 2 | 97635 | 13/100 |
| 3 | 97620 | 10/100 |
| 4 | 97630 | 10/100 |
| 5 | 97636 | 10/100 |
| 6 | 97637 | 10/100 |
| 7 | 97638 | 10/100 |
| 8 | 97640 | 10/100 |
| 9 | 97641 | 10/100 |
| 10 | 97735 | 10/100 |
Most distressed ZIP codes in Lake County (composite distress 0-100, 2026)
What is driving Lake County distress
Lake County's placement in the national index rests on public filings — a 11/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Lake County market phase and pricing
Lake County reads recovery — home prices rose 2.5% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Lake County
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Common questions
Which Lake County ZIP scores worst for distress?
ZIP 97758 leads Lake County at 18/100, recomputed monthly from public records.
Which phase does Lake County sit in right now?
Lake County currently sits in recovery, with values up 2.5% year on year, based on FHFA price-index trajectory.
What are the sources behind these Lake County numbers?
Every Lake County figure traces to a public source — FHFA House Price Index for the recovery trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 10 Lake County ZIP codes that it runs on every other U.S. county, so Lake County's numbers are directly comparable to any other market.
How much do distress scores vary between Lake County ZIP codes?
A single county score papers over real variation. Across the Lake County ZIPs DLRadar ranks, scores run from 18/100 in 97758 down to 10/100 in 97735, against a Lake County average of 11/100. A spread of 8 points means Lake County has to be worked ZIP by ZIP.
What do Lake County home values and vacancy say about distressed supply?
The typical Lake County home carries about $277,125 of value against a median household income near $58,639. Vacancy across Lake County's tracked ZIPs runs 37.7% and the poverty rate is 14.8%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Lake County's foreclosure and tax-lien filings and its 62/100 lending headwind.
Related
Formula-driven readings of public documents. Not investment, legal or financial advice of any kind; figures refresh from the live index each month.