Penobscot County, ME Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Penobscot County, Maine? DLRadar grades every Penobscot County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 26/100. Here is the 2026 Penobscot County breakdown.
- Penobscot County's most distressed ZIP is 04401 at 26/100.
- 47 ZIP codes tracked in Penobscot County, averaging 26/100 distress.
- Penobscot County reads contraction — home values down 0.5% year over year, 2.9% off peak.
- Vacancy runs 19.9% across Penobscot County's tracked ZIPs, with a 14.7% poverty rate.
- The typical Penobscot County home is worth about $176,976 against a ~$65,277 median income.
- Lending headwind in Penobscot County sits at 80/100 — a forward read on distressed supply.
Figures come from DLRadar's public-record distress index and refresh every month. Free to quote with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 04401 | 26/100 |
| 2 | 04410 | 26/100 |
| 3 | 04411 | 26/100 |
| 4 | 04412 | 26/100 |
| 5 | 04417 | 26/100 |
| 6 | 04418 | 26/100 |
| 7 | 04419 | 26/100 |
| 8 | 04422 | 26/100 |
| 9 | 04427 | 26/100 |
| 10 | 04428 | 26/100 |
| 11 | 04430 | 26/100 |
| 12 | 04434 | 26/100 |
Most distressed ZIP codes in Penobscot County (composite distress 0-100, 2026)
What is driving Penobscot County distress
Penobscot County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 26/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Penobscot County market phase and pricing
Phase for Penobscot County: contraction (-0.5% YoY, 2.9% off peak). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Penobscot County
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Common questions
Which Penobscot County ZIP scores worst for distress?
ZIP 04401 leads Penobscot County at 26/100, recomputed monthly from public records.
What market phase is Penobscot County in?
Penobscot County is classified contraction with a 0.5% year-over-year drop, following the FHFA House Price Index.
Can the Penobscot County figures be verified?
Every Penobscot County figure traces to a public source — FHFA House Price Index for the contraction trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 47 Penobscot County ZIP codes that it runs on every other U.S. county, so Penobscot County's numbers are directly comparable to any other market.
How much do distress scores vary between Penobscot County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Penobscot County ZIPs DLRadar ranks, scores run from 26/100 in 04401 down to 26/100 in 04434, against a Penobscot County average of 26/100. A spread of 0 points means Penobscot County has to be worked ZIP by ZIP.
What do Penobscot County home values and vacancy say about distressed supply?
The typical Penobscot County home carries about $176,976 of value against a median household income near $65,277. Vacancy across Penobscot County's tracked ZIPs runs 19.9% and the poverty rate is 14.7%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Penobscot County's foreclosure and lien data and its 80/100 lending headwind.
Related
Scores here are computed from public records by fixed formulas. Nothing on this page is investment, legal or financial advice; the index refreshes monthly.