Polk County, OR Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Polk County, Oregon? DLRadar grades every Polk County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 24/100. Here is the 2026 Polk County breakdown.
- Polk County's most distressed ZIP is 97338 at 24/100.
- 11 ZIP codes tracked in Polk County, averaging 23/100 distress.
- Polk County reads contraction — home values down 0.6% year over year, 0.6% off peak.
- Vacancy runs 5.7% across Polk County's tracked ZIPs, with a 14.3% poverty rate.
- The typical Polk County home is worth about $436,309 against a ~$81,449 median income.
- Lending headwind in Polk County sits at 61/100 — a forward read on distressed supply.
Compiled from the DLRadar property-distress index and refreshed monthly. Cite with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 97338 | 24/100 |
| 2 | 97344 | 24/100 |
| 3 | 97351 | 24/100 |
| 4 | 97371 | 24/100 |
| 5 | 97304 | 23/100 |
| 6 | 97101 | 22/100 |
| 7 | 97347 | 22/100 |
| 8 | 97378 | 22/100 |
| 9 | 97396 | 22/100 |
| 10 | 97370 | 21/100 |
| 11 | 97361 | 20/100 |
Most distressed ZIP codes in Polk County (composite distress 0-100, 2026)
What is driving Polk County distress
The Polk County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 23/100 ZIP average. No proprietary or modelled inputs enter the score.
Polk County market phase and pricing
DLRadar places Polk County in contraction; prices moved down 0.6% over the year and remain 0.6% under peak. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Polk County
Browse the full Polk County distress data free, or start a 60-minute exploration to unlock the scored distressed properties inside each ZIP — no card charged today.
No card required · full read access to live data for 60 minutes.
Questions about this county
Which part of Polk County, OR scores highest for distress?
ZIP 97338 leads Polk County at 24/100, recomputed monthly from public records.
Which phase does Polk County sit in right now?
Phase for Polk County: contraction, tracking a 0.6% decline year over year, read off the FHFA index.
Which datasets feed the Polk County scores?
The inputs are all public: FHFA for the contraction path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 11 ZIP codes in Polk County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Polk County ZIP codes?
One county number flattens a wide range. Across the Polk County ZIPs DLRadar ranks, scores run from 24/100 in 97338 down to 20/100 in 97361, against a Polk County average of 23/100. A spread of 4 points means Polk County has to be worked ZIP by ZIP.
What do Polk County home values and vacancy say about distressed supply?
The typical Polk County home carries about $436,309 of value against a median household income near $81,449. Vacancy across Polk County's tracked ZIPs runs 5.7% and the poverty rate is 14.3%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Polk County's filings and its 61/100 lending headwind.
Related
A deterministic scoring of public filings. Nothing on this page constitutes investment, legal or financial advice. Monthly refresh from the live index.