Lincoln County, ME Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Lincoln County, ME distress report, 2026: 27 ZIPs scored in Lincoln, ME, Lincoln, ME average 21/100; the top Lincoln, ME ZIP is 04341 at 21/100; Lincoln, ME market phase peak, Lincoln, ME prices +2.0% year over year.
- Lincoln, ME ranks #1,302 nationally (opportunity index); Lincoln, ME #10 in Maine; Lincoln, ME index 30.1.
- Lincoln, ME: no CFPB county sample; Lincoln, ME non-metro area reading 1.1%.
- Lincoln, ME ZIP phases: 27 peak.
- Lincoln, ME residential listings tracked: 10 across 27 ZIPs; Lincoln, ME candidate listings 5.
- Lincoln, ME HUD assisted properties: 4 with 51 units.
- Lincoln, ME lenders on watch: 5; largest Lincoln, ME footprint First National Bank (4 branches).
- Lincoln, ME most distressed ZIP: 04341 at 21/100.
Lincoln, ME figures: DLRadar distress index; Lincoln, ME inputs: CFPB, FHFA, HUD, FDIC; Lincoln, ME rebuilt as sources refresh.
| Rank | Lincoln, ME ZIP | Score |
|---|---|---|
| 1 | 04341 | 21/100 |
| 2 | 04342 | 21/100 |
| 3 | 04348 | 21/100 |
| 4 | 04353 | 21/100 |
| 5 | 04535 | 21/100 |
| 6 | 04537 | 21/100 |
| 7 | 04538 | 21/100 |
| 8 | 04539 | 21/100 |
| 9 | 04541 | 21/100 |
| 10 | 04543 | 21/100 |
| 11 | 04544 | 21/100 |
| 12 | 04551 | 21/100 |
Most distressed Lincoln, ME ZIPs (0-100, 2026)
Mortgage delinquency around Lincoln, ME
No CFPB county sample covers Lincoln, ME; the non-metro area reading for Lincoln, ME: 1.1% ninety-plus; Lincoln, ME area thirty-to-eighty-nine 2.1% (December 2025, Lincoln, ME); Maine overall 0.9%.
Opportunity index: Lincoln, ME
Lincoln, ME index 30.1, Lincoln, ME phase early_signal; Lincoln, ME primary driver vacancy, Lincoln, ME second driver construction. Lincoln, ME components: property stress 27.9, foreclosure pressure 27.9, listing discounts 13.7, bank stress 47.7, insurance 0.0; Lincoln, ME pulse 35.8; Lincoln, ME capital opportunity 21.5; Lincoln, ME seven-day change +0.1%.
ZIP market phases inside Lincoln, ME
27 Lincoln, ME ZIPs carry a price-cycle phase; Lincoln, ME ZIPs by phase (Lincoln, ME), deepest drawdown first: peak, +2.0% YoY, 0.7% off peak (Lincoln, ME): 04341, 04342, 04348, 04353, Lincoln, ME 04535, 04537, 04538, 04539, Lincoln, ME 04541, 04543, 04544, 04551, Lincoln, ME 04553, 04554, 04555, 04556.
Residential listings by Lincoln, ME ZIP
Lincoln, ME ZIPs with the most tracked Lincoln, ME residential listings: 04572 4 listings, 1 candidates, bank pressure 70; 04342 1 listings, 0 candidates, bank pressure 70; 04348 1 listings, 1 candidates, bank pressure 70; 04535 1 listings, 0 candidates, bank pressure 70 (Lincoln, ME); 04537 1 listings, 1 candidates, bank pressure 70; 04538 1 listings, 1 candidates, bank pressure 70; 04554 1 listings, 1 candidates, bank pressure 70; 04341 0 listings, 0 candidates, bank pressure 70. Lincoln, ME totals: 10 listings; Lincoln, ME candidates 5; active ZIPs 2.
HUD assisted housing in Lincoln, ME
4 assisted properties with 51 units sit in Lincoln, ME; largest Lincoln, ME properties: Statewide Bay Landing I (Boothbay Harbor) 20 units, 19 assisted; Statewide Bay Landing Ii (Boothbay Harbor) 20 units, 20 assisted; Biscay Road Residence (Damariscotta) 6 units, 6 assisted in Lincoln, ME; Rocky Coast Housing (Boothbay Harbor) 5 units, 4 assisted.
Lenders with branches in Lincoln, ME
Lincoln, ME lenders by branch count: First National Bank (Lincoln, ME): stress 72, 4 branches low in Lincoln, ME; Camden National Bank (Lincoln, ME): stress 61, 4 branches low in Lincoln, ME; Bangor Savings Bank (Lincoln, ME): stress 94, 3 branches low in Lincoln, ME; First Fs&La Of Bath (Lincoln, ME): stress 62, 3 branches low in Lincoln, ME; Bath Savings Institution (Lincoln, ME): stress 59, 2 branches low in Lincoln, ME.
Vacancy and permits, Lincoln, ME
7,330 of 23,922 Lincoln, ME housing units are vacant; Lincoln, ME permits, twelve months: 0 multifamily units in Lincoln, ME, 157 one-to-four unit units.
Work Lincoln, ME at the parcel level
Every Lincoln, ME parcel carries owner and address; every Lincoln, ME parcel carries APN; Lincoln, ME distress scores sit on the Lincoln, ME live board.
Lincoln, ME figures refresh with each source.
Lincoln, ME questions
Most distressed ZIP code in Lincoln County, ME?
ZIP 04341 leads Lincoln, ME at 21/100; next in Lincoln, ME: 04342 at 21/100; the Lincoln, ME average is 21/100.
Where does Lincoln County, ME rank for investment opportunity?
Lincoln, ME is #1,302 among all ranked counties, #10 in Maine; the Lincoln, ME driver is vacancy; Lincoln, ME moved down 391 places.
How many mortgages are delinquent in Lincoln County, ME?
Lincoln, ME takes the non-metro area reading of 1.1% for December 2025; no CFPB county sample covers Lincoln, ME.
Which banks lend in Lincoln County, ME?
5 watched lenders hold Lincoln, ME branches; the largest Lincoln, ME footprints are First National Bank (4), Camden National Bank (4), Bangor Savings Bank (3).
More on Lincoln, ME
Lincoln County, ME distress report: public-record figures for Lincoln, ME; not legal advice for Lincoln, ME; not tax or investment advice; verify every Lincoln, ME record before acting.