Polk County, OR Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Polk County, OR distress report, 2026: 11 ZIPs scored in Polk, OR, Polk, OR average 24/100; the top Polk, OR ZIP is 97338 at 26/100; Polk, OR market phase contraction, Polk, OR prices -0.6% year over year.
- Polk, OR ranks #2,242 nationally (opportunity index); Polk, OR #21 in Oregon; Polk, OR index 26.9.
- Polk, OR: no CFPB county sample; Polk, OR metro area reading 0.6%.
- Polk, OR ZIP phases: 5 peak, 5 contraction, 1 neutral.
- Polk, OR residential listings tracked: 31 across 6 ZIPs; Polk, OR candidate listings 11.
- Polk, OR HUD assisted properties: 1 with 64 units.
- Polk, OR lenders on watch: 2; largest Polk, OR footprint Columbia Bank (2 branches).
- Polk, OR most distressed ZIP: 97338 at 26/100.
Polk, OR figures: DLRadar distress index; Polk, OR inputs: CFPB, FHFA, HUD, FDIC; Polk, OR rebuilt as sources refresh.
| Rank | Polk, OR ZIP | Score |
|---|---|---|
| 1 | 97338 | 26/100 |
| 2 | 97344 | 26/100 |
| 3 | 97351 | 26/100 |
| 4 | 97371 | 26/100 |
| 5 | 97304 | 25/100 |
| 6 | 97101 | 23/100 |
| 7 | 97347 | 23/100 |
| 8 | 97361 | 23/100 |
| 9 | 97378 | 23/100 |
| 10 | 97396 | 22/100 |
| 11 | 97370 | 21/100 |
Most distressed Polk, OR ZIPs (0-100, 2026)
Mortgage delinquency around Polk, OR
No CFPB county sample covers Polk, OR; the metro area reading for Polk, OR (Salem, OR): 0.6% ninety-plus; Polk, OR area thirty-to-eighty-nine 1.6% (December 2025, Polk, OR); Oregon overall 0.6%.
Opportunity index: Polk, OR
Polk, OR index 26.9, Polk, OR phase weak; Polk, OR primary driver bank institutional, Polk, OR second driver construction. Polk, OR components: property stress 16.3, foreclosure pressure 15.2, listing discounts 25.4, bank stress 66.7, insurance 0.0; Polk, OR pulse 31.5; Polk, OR capital opportunity 20.1; Polk, OR seven-day change +0.2%.
ZIP market phases inside Polk, OR
11 Polk, OR ZIPs carry a price-cycle phase; Polk, OR ZIPs by phase (Polk, OR), deepest drawdown first: contraction, -0.6% YoY, 0.6% off peak (Polk, OR): 97338, 97344, 97351, 97371; peak, +0.0% YoY, 0.6% off peak (Polk, OR): 97361; contraction, -0.4% YoY, 0.6% off peak (Polk, OR): 97304; peak, +0.2% YoY, 0.3% off peak (Polk, OR): 97378; peak, +0.3% YoY, 0.3% off peak (Polk, OR): 97347; peak, +0.4% YoY, 0.2% off peak (Polk, OR): 97101; peak, +0.6% YoY, 0.2% off peak (Polk, OR): 97396; neutral, +4.9% YoY, 0.0% off peak (Polk, OR): 97370.
Residential listings by Polk, OR ZIP
Polk, OR ZIPs with the most tracked Polk, OR residential listings: 97304 20 listings, 7 candidates, bank pressure 69; 97338 5 listings, 3 candidates, bank pressure 68; 97351 5 listings, 1 candidates, bank pressure 68; 97344 1 listings, 0 candidates, bank pressure 68 (Polk, OR); 97361 0 listings, 0 candidates, bank pressure 68; 97371 0 listings, 0 candidates, bank pressure 68. Polk, OR totals: 31 listings; Polk, OR candidates 11; active ZIPs 4.
HUD assisted housing in Polk, OR
1 assisted properties with 64 units sit in Polk, OR; largest Polk, OR properties: West Salem Apartments (Salem) 64 units.
Lenders with branches in Polk, OR
Polk, OR lenders by branch count: Columbia Bank (Polk, OR): stress 58, 2 branches low in Polk, OR; Citizens Bank (Polk, OR): stress 85, 1 branch low in Polk, OR.
Vacancy and permits, Polk, OR
1,881 of 34,867 Polk, OR housing units are vacant; Polk, OR permits, twelve months: 0 multifamily units in Polk, OR, 117 one-to-four unit units.
Work Polk, OR at the parcel level
Every Polk, OR parcel carries owner and address; every Polk, OR parcel carries APN; Polk, OR distress scores sit on the Polk, OR live board.
Polk, OR figures refresh with each source.
Polk, OR questions
Most distressed ZIP code in Polk County, OR?
ZIP 97338 leads Polk, OR at 26/100; next in Polk, OR: 97344 at 26/100; the Polk, OR average is 24/100.
Where does Polk County, OR rank for investment opportunity?
Polk, OR is #2,242 among all ranked counties, #21 in Oregon; the Polk, OR driver is bank institutional; Polk, OR moved down 256 places.
How many mortgages are delinquent in Polk County, OR?
Polk, OR takes the metro area reading of 0.6% for December 2025; no CFPB county sample covers Polk, OR.
Which banks lend in Polk County, OR?
2 watched lenders hold Polk, OR branches; the largest Polk, OR footprints are Columbia Bank (2), Citizens Bank (1).
More on Polk, OR
Polk County, OR distress report: public-record figures for Polk, OR; not legal advice for Polk, OR; not tax or investment advice; verify every Polk, OR record before acting.