Penobscot County, ME Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Penobscot County, ME distress report, 2026: 47 ZIPs scored in Penobscot, ME, Penobscot, ME average 25/100; the top Penobscot, ME ZIP is 04401 at 25/100; Penobscot, ME market phase contraction, Penobscot, ME prices -0.5% year over year.
- Penobscot, ME ranks #1,780 nationally (opportunity index); Penobscot, ME #12 in Maine; Penobscot, ME index 28.5.
- Penobscot, ME ninety-day mortgage delinquency 0.9% in December 2025; Penobscot, ME twelve-month change -0.2%.
- Penobscot, ME ZIP phases: 40 contraction, 7 peak.
- Penobscot, ME residential listings tracked: 107 across 41 ZIPs; Penobscot, ME candidate listings 33.
- Penobscot, ME HUD assisted properties: 11 with 424 units.
- Penobscot, ME lenders on watch: 7; largest Penobscot, ME footprint Bangor Savings Bank (12 branches).
- Penobscot, ME most distressed ZIP: 04401 at 25/100.
Penobscot, ME figures: DLRadar distress index; Penobscot, ME inputs: CFPB, FHFA, HUD, FDIC; Penobscot, ME rebuilt as sources refresh.
| Rank | Penobscot, ME ZIP | Score |
|---|---|---|
| 1 | 04401 | 25/100 |
| 2 | 04410 | 25/100 |
| 3 | 04411 | 25/100 |
| 4 | 04412 | 25/100 |
| 5 | 04417 | 25/100 |
| 6 | 04418 | 25/100 |
| 7 | 04419 | 25/100 |
| 8 | 04422 | 25/100 |
| 9 | 04427 | 25/100 |
| 10 | 04428 | 25/100 |
| 11 | 04429 | 25/100 |
| 12 | 04430 | 25/100 |
Most distressed Penobscot, ME ZIPs (0-100, 2026)
Mortgage delinquency in Penobscot, ME
0.9% of Penobscot, ME mortgages were ninety-plus days late (Penobscot, ME, December 2025); Penobscot, ME thirty-to-eighty-nine days late: 2.8%; Penobscot, ME twelve-month change -0.2%; Penobscot, ME peak since 2008: 3.8% (February 2016); Maine overall 0.9%. Penobscot, ME ninety-day series: Dec 24 1.1, Jan 25 1.2, Feb 25 1.1 (Penobscot, ME), Mar 25 0.9, Apr 25 0.6, May 25 0.8 (Penobscot, ME), Jun 25 1.0, Jul 25 1.1, Aug 25 0.8 (Penobscot, ME), Sep 25 1.1, Oct 25 1.0, Nov 25 0.6 (Penobscot, ME), Dec 25 0.9.
Opportunity index: Penobscot, ME
Penobscot, ME index 28.5, Penobscot, ME phase early_signal; Penobscot, ME primary driver vacancy, Penobscot, ME second driver construction. Penobscot, ME components: property stress 19.9, foreclosure pressure 17.6, listing discounts 23.4, bank stress 53.5, insurance 0.0; Penobscot, ME pulse 32.3; Penobscot, ME capital opportunity 22.7; Penobscot, ME seven-day change +0.4%.
ZIP market phases inside Penobscot, ME
47 Penobscot, ME ZIPs carry a price-cycle phase; Penobscot, ME ZIPs by phase (Penobscot, ME), deepest drawdown first: contraction, -0.5% YoY, 2.9% off peak (Penobscot, ME): 04401, 04410, 04411, 04412, Penobscot, ME 04417, 04418, 04419, 04422, Penobscot, ME 04427, 04428, 04430, 04434, Penobscot, ME 04435, 04444, 04448, 04449.
Residential listings by Penobscot, ME ZIP
Penobscot, ME ZIPs with the most tracked Penobscot, ME residential listings: 04401 67 listings, 8 candidates, bank pressure 66; 04418 5 listings, 4 candidates, bank pressure 66; 04487 5 listings, 2 candidates, bank pressure 66; 04765 4 listings, 1 candidates, bank pressure 66 (Penobscot, ME); 04930 3 listings, 3 candidates, bank pressure 63; 04969 3 listings, 1 candidates, bank pressure 66; 04444 2 listings, 2 candidates, bank pressure 66; 04449 2 listings, 2 candidates, bank pressure 66. Penobscot, ME totals: 107 listings; Penobscot, ME candidates 33; active ZIPs 3.
HUD assisted housing in Penobscot, ME
11 assisted properties with 424 units sit in Penobscot, ME; largest Penobscot, ME properties: Housing Foundation Ii (Orono) 116 units, 35 assisted; Housing Foundation I (Orono) 80 units, 32 assisted; Miller Square On Harlow (Bangor) 55 units, 35 assisted in Penobscot, ME; Northwood Apartments (Bangor) 50 units, 50 assisted; Roe Village (Hampden) 30 units, 30 assisted; Persistence (Newburgh) 20 units, 20 assisted.
Lenders with branches in Penobscot, ME
Penobscot, ME lenders by branch count: Bangor Savings Bank (Penobscot, ME): stress 94, 12 branches low in Penobscot, ME; Camden National Bank (Penobscot, ME): stress 61, 6 branches low in Penobscot, ME; Bar Harbor Bank&Trust (Penobscot, ME): stress 53, 6 branches low in Penobscot, ME; Katahdin Trust Co (Penobscot, ME): stress 74, 4 branches low in Penobscot, ME; Machias Savings Bank (Penobscot, ME): stress 66, 3 branches elevated in Penobscot, ME; First National Bank (Penobscot, ME): stress 72, 2 branches low in Penobscot, ME; Skowhegan Savings Bank (Penobscot, ME): stress 43, 1 branch low in Penobscot, ME.
Vacancy and permits, Penobscot, ME
10,462 of 75,683 Penobscot, ME housing units are vacant; Penobscot, ME permits, twelve months: 120 multifamily units in Penobscot, ME, 390 one-to-four unit units.
Work Penobscot, ME at the parcel level
Every Penobscot, ME parcel carries owner and address; every Penobscot, ME parcel carries APN; Penobscot, ME distress scores sit on the Penobscot, ME live board.
Penobscot, ME figures refresh with each source.
Penobscot, ME questions
Most distressed ZIP code in Penobscot County, ME?
ZIP 04401 leads Penobscot, ME at 25/100; next in Penobscot, ME: 04410 at 25/100; the Penobscot, ME average is 25/100.
Where does Penobscot County, ME rank for investment opportunity?
Penobscot, ME is #1,780 among all ranked counties, #12 in Maine; the Penobscot, ME driver is vacancy; Penobscot, ME moved down 18 places.
How many mortgages are delinquent in Penobscot County, ME?
0.9% of Penobscot, ME mortgages were ninety-plus days late in December 2025; the Penobscot, ME peak since 2008 was 3.8%.
Which banks lend in Penobscot County, ME?
7 watched lenders hold Penobscot, ME branches; the largest Penobscot, ME footprints are Bangor Savings Bank (12), Camden National Bank (6), Bar Harbor Bank&Trust (6).
More on Penobscot, ME
Penobscot County, ME distress report: public-record figures for Penobscot, ME; not legal advice for Penobscot, ME; not tax or investment advice; verify every Penobscot, ME record before acting.