Phelps County, NE Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Phelps County, Nebraska? DLRadar grades every Phelps County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 25/100. Here is the 2026 Phelps County breakdown.
- Phelps County's most distressed ZIP is 68863 at 25/100.
- 10 ZIP codes tracked in Phelps County, averaging 16/100 distress.
- Phelps County reads peak — home values up 3.3% year over year.
- Vacancy runs 7.3% across Phelps County's tracked ZIPs, with a 7.7% poverty rate.
- The typical Phelps County home is worth about $201,922 against a ~$73,679 median income.
- Lending headwind in Phelps County sits at 52/100 — a forward read on distressed supply.
Based on DLRadar's public-record distress index, updated every month. Free to cite with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 68863 | 25/100 |
| 2 | 68836 | 18/100 |
| 3 | 68845 | 17/100 |
| 4 | 68949 | 17/100 |
| 5 | 68923 | 16/100 |
| 6 | 68940 | 16/100 |
| 7 | 68958 | 16/100 |
| 8 | 68927 | 15/100 |
| 9 | 68982 | 15/100 |
| 10 | 68924 | 9/100 |
Most distressed ZIP codes in Phelps County (composite distress 0-100, 2026)
What is driving Phelps County distress
The Phelps County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 16/100 ZIP average. No proprietary or modelled inputs enter the score.
Phelps County market phase and pricing
The cycle in Phelps County is peak, with values up 3.3% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Phelps County
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What people ask
Which Phelps County ZIP scores worst for distress?
ZIP 68863 leads Phelps County at 25/100, recomputed monthly from public records.
What market phase is Phelps County in?
Phelps County currently sits in peak, with values up 3.3% year on year, based on FHFA price-index trajectory.
Can the Phelps County figures be verified?
Every Phelps County figure traces to a public source — FHFA House Price Index for the peak trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 10 Phelps County ZIP codes that it runs on every other U.S. county, so Phelps County's numbers are directly comparable to any other market.
How much do distress scores vary between Phelps County ZIP codes?
A county average hides the spread. Across the Phelps County ZIPs DLRadar ranks, scores run from 25/100 in 68863 down to 9/100 in 68924, against a Phelps County average of 16/100. A spread of 16 points means Phelps County has to be worked ZIP by ZIP.
What do Phelps County home values and vacancy say about distressed supply?
The typical Phelps County home carries about $201,922 of value against a median household income near $73,679. Vacancy across Phelps County's tracked ZIPs runs 7.3% and the poverty rate is 7.7%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Phelps County's foreclosure and lien data and its 52/100 lending headwind.
Related
Produced by fixed formulas over public records — research, not investment, legal or financial advice. The underlying index updates monthly.