Oregon County Foreclosure & Distress Reports (2026)
One report per county — 36 in Oregon — each scored 0-100 from public foreclosure, tax-lien, mortgage and bank-stress records and refreshed monthly. The live county pages sit under the Oregon distress hub; insurance pressure is on the Oregon home-insurance page.
36 Oregon county reports sit in this archive; Oregon opportunity phases run 19 weak, 9 early_signal, 5 watchlist; Oregon ninety-day delinquency 0.6%; 14 banks chartered in Oregon; 16,916 HUD-assisted Oregon units.
Oregon counties to open first by opportunity rank: Clatsop (#478, peak_opportunity); Josephine (#596, overheated); Tillamook (#596, overheated) in Oregon; Harney (#785, watchlist); Hood River (#785, early_signal); Jefferson (#866, watchlist).
Oregon insurance bands across counties: 23 medium in Oregon, 10 low, 2 zero, 1 high; Oregon NFIP claims 182 in three years.
Oregon counties in the peak phase (19): Baker, Clackamas, Clatsop, Columbia, Coos, Curry (Oregon), Douglas, Hood River, Jackson, Klamath, Lincoln, Malheur (Oregon), Morrow, Multnomah, Umatilla, Union, Wasco, Washington (Oregon), Yamhill.
Oregon counties in the recovery phase (8): Gilliam, Grant, Harney, Lake, Sherman, Tillamook (Oregon), Wallowa, Wheeler.
Oregon counties in the contraction phase (4): Josephine, Linn, Marion, Polk.
Oregon counties in the neutral phase (4): Crook, Deschutes, Jefferson, Lane.
Oregon counties in the expansion phase (1): Benton.
Oregon permitted 15,174 housing units in twelve months; 139,570 Oregon units sit vacant of 1,857,992.
Oregon counties highest on the national opportunity index: Clatsop #478 (33.5/100, peak_opportunity); Tillamook #596 (32.8/100, overheated); Josephine #596 (32.8/100, overheated) in Oregon; Hood River #785 (32.0/100, early_signal); Harney #785 (32.0/100, watchlist); Jefferson #866 (31.7/100, watchlist) in Oregon; Wheeler #866 (31.7/100, early_signal); Lake #920 (31.5/100, watchlist); Lincoln #920 (31.5/100, early_signal) in Oregon; Curry #964 (31.3/100, early_signal); Deschutes #1,072 (30.9/100, watchlist); Gilliam #1,163 (30.6/100, early_signal) in Oregon.
How the Oregon county reports are scored: each Oregon report reads its county's foreclosure filings, Oregon tax-lien and tax-deed records, FHA mortgage delinquency in Oregon (ninety-day rate 0.6%, December 2025), the FDIC stress of Oregon lenders (14 chartered in Oregon) and FEMA/NFIP pressure on Oregon (182 NFIP claims, three years), then scores every Oregon ZIP 0-100.
Clatsop County leads Oregon on the opportunity index at #478 nationally with 9 scored ZIPs. Every Oregon report is rebuilt monthly from public records; a Oregon county whose data lapses keeps its Oregon page and says so.