Lane County, OR Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Lane County, OR distress report, 2026: 39 ZIPs scored in Lane, OR, Lane, OR average 28/100; the top Lane, OR ZIP is 97401 at 28/100; Lane, OR market phase neutral, Lane, OR prices +3.6% year over year.
- Lane, OR ranks #2,443 nationally (opportunity index); Lane, OR #27 in Oregon; Lane, OR index 26.1.
- Lane, OR ninety-day mortgage delinquency 0.4% in December 2025; Lane, OR twelve-month change -0.1%.
- Lane, OR ZIP phases: 37 neutral, 1 contraction, 1 expansion.
- Lane, OR residential listings tracked: 169 across 35 ZIPs; Lane, OR candidate listings 59.
- Lane, OR HUD assisted properties: 19 with 1,152 units.
- Lane, OR lenders on watch: 5; largest Lane, OR footprint Columbia Bank (8 branches).
- Lane, OR most distressed ZIP: 97401 at 28/100.
Lane, OR figures: DLRadar distress index; Lane, OR inputs: CFPB, FHFA, HUD, FDIC; Lane, OR rebuilt as sources refresh.
| Rank | Lane, OR ZIP | Score |
|---|---|---|
| 1 | 97401 | 28/100 |
| 2 | 97402 | 28/100 |
| 3 | 97403 | 28/100 |
| 4 | 97404 | 28/100 |
| 5 | 97405 | 28/100 |
| 6 | 97408 | 28/100 |
| 7 | 97412 | 28/100 |
| 8 | 97413 | 28/100 |
| 9 | 97419 | 28/100 |
| 10 | 97424 | 28/100 |
| 11 | 97426 | 28/100 |
| 12 | 97430 | 28/100 |
Most distressed Lane, OR ZIPs (0-100, 2026)
Mortgage delinquency in Lane, OR
0.4% of Lane, OR mortgages were ninety-plus days late (Lane, OR, December 2025); Lane, OR thirty-to-eighty-nine days late: 1.3%; Lane, OR twelve-month change -0.1%; Lane, OR peak since 2008: 3.3% (May 2012); Oregon overall 0.6%. Lane, OR ninety-day series: Dec 24 0.5, Jan 25 0.6, Feb 25 0.5 (Lane, OR), Mar 25 0.4, Apr 25 0.4, May 25 0.4 (Lane, OR), Jun 25 0.4, Jul 25 0.5, Aug 25 0.4 (Lane, OR), Sep 25 0.4, Oct 25 0.5, Nov 25 0.4 (Lane, OR), Dec 25 0.4.
Opportunity index: Lane, OR
Lane, OR index 26.1, Lane, OR phase weak; Lane, OR primary driver bank institutional, Lane, OR second driver construction. Lane, OR components: property stress 17.9, foreclosure pressure 16.9, listing discounts 25.8, bank stress 61.1, insurance 0.0; Lane, OR pulse 29.0; Lane, OR capital opportunity 21.8.
ZIP market phases inside Lane, OR
39 Lane, OR ZIPs carry a price-cycle phase; Lane, OR ZIPs by phase (Lane, OR), deepest drawdown first: contraction, -1.7% YoY, 2.2% off peak (Lane, OR): 97446; neutral, +4.7% YoY (Lane, OR): 97324; neutral, +1.9% YoY (Lane, OR): 97390; neutral, +3.6% YoY (Lane, OR): 97401, 97402, 97403, 97404, Lane, OR 97405, 97408, 97412, 97413, Lane, OR 97419, 97426, 97430, 97431; neutral, +3.3% YoY (Lane, OR): 97424.
Residential listings by Lane, OR ZIP
Lane, OR ZIPs with the most tracked Lane, OR residential listings: 97402 30 listings, 9 candidates, bank pressure 63; 97405 27 listings, 9 candidates, bank pressure 63; 97478 20 listings, 8 candidates, bank pressure 63; 97401 17 listings, 3 candidates, bank pressure 63 (Lane, OR); 97404 17 listings, 1 candidates, bank pressure 63; 97439 9 listings, 8 candidates, bank pressure 63; 97424 8 listings, 2 candidates, bank pressure 63; 97477 7 listings, 2 candidates, bank pressure 63. Lane, OR totals: 169 listings; Lane, OR candidates 59; active ZIPs 23.
HUD assisted housing in Lane, OR
19 assisted properties with 1,152 units sit in Lane, OR; largest Lane, OR properties: Olive Plaza (Eugene) 150 units, 150 assisted; Orchard Crossing (Eugene) 139 units; Centennial Apartments (Springfield) 118 units in Lane, OR; Ya Po Ah Terrace Condominium Unit B (Eugene) 112 units, 112 assisted; 35 Club Apartments (Eugene) 110 units; Ya Po Ah Terrace Condominium Unit A (Eugene) 98 units, 98 assisted.
Lenders with branches in Lane, OR
Lane, OR lenders by branch count: Columbia Bank (Lane, OR): stress 58, 8 branches low in Lane, OR; Citizens Bank (Lane, OR): stress 85, 2 branches low in Lane, OR; Oregon Pacific Bk Dba Or Pac (Lane, OR): stress 62, 2 branches low in Lane, OR; Summit Bank (Lane, OR): stress 58, 1 branch low in Lane, OR; Peoples Bank Of Commerce (Lane, OR): stress 47, 1 branch low in Lane, OR.
Vacancy and permits, Lane, OR
9,343 of 169,788 Lane, OR housing units are vacant; Lane, OR permits, twelve months: 728 multifamily units in Lane, OR, 646 one-to-four unit units.
Work Lane, OR at the parcel level
Every Lane, OR parcel carries owner and address; every Lane, OR parcel carries APN; Lane, OR distress scores sit on the Lane, OR live board.
Lane, OR figures refresh with each source.
Lane, OR questions
Most distressed ZIP code in Lane County, OR?
ZIP 97401 leads Lane, OR at 28/100; next in Lane, OR: 97402 at 28/100; the Lane, OR average is 28/100.
Where does Lane County, OR rank for investment opportunity?
Lane, OR is #2,443 among all ranked counties, #27 in Oregon; the Lane, OR driver is bank institutional; Lane, OR moved up 58 places.
How many mortgages are delinquent in Lane County, OR?
0.4% of Lane, OR mortgages were ninety-plus days late in December 2025; the Lane, OR peak since 2008 was 3.3%.
Which banks lend in Lane County, OR?
5 watched lenders hold Lane, OR branches; the largest Lane, OR footprints are Columbia Bank (8), Citizens Bank (2), Oregon Pacific Bk Dba Or Pac (2).
More on Lane, OR
Lane County, OR distress report: public-record figures for Lane, OR; not legal advice for Lane, OR; not tax or investment advice; verify every Lane, OR record before acting.