Penobscot County, ME: Foreclosures, Tax Liens & Distressed Properties

Penobscot County, ME, Maine: 47 ZIP codes scored, Penobscot County, ME averaging 25/100 (low, Penobscot, ME), from 19 to 25. Penobscot County, ME is in its contraction phase (Penobscot, ME confidence 44/100): Penobscot, ME home prices down 0.5% (Penobscot, ME) over twelve months, 2.9% under their peak. Penobscot County, ME lender headwind: 80/100.

Highest-scoring Penobscot County, ME ZIPs: 04401 (25/100), 04410 (25/100), 04411 (25/100), 04412 (25/100), 04417 (25/100), 04418 (25/100). Also scored in Penobscot County, ME: 04419, 04422, 04427, 04428, 04429, 04430, 04434, 04435, 04444, 04448.

Across Penobscot County, ME's scored ZIPs: median home value $176,976, household income $65,277, 19.9% vacancy, 14.7% poverty, 82% owner-occupied, median age 45.9.

Penobscot County, ME insurance distress 45/100 (#1,228 in the US); FEMA hazard 40/100 for Penobscot, ME; 2 federal disaster declarations in Penobscot County, ME since 2023; 1 Penobscot, ME NFIP flood claims, $3K paid; Penobscot, ME construction distress 54/100.

9 banks with 41 branches lend in Penobscot County, ME; Penobscot, ME weighted bank stress 72/100, highest 94/100 in Penobscot, ME.

Penobscot County, ME unemployment 3.4% (Penobscot, ME -0.5 pts, six months); 510 new housing units permitted in Penobscot County, ME over twelve months, Penobscot, ME down 4% from 532; Penobscot, ME home prices +12.2% a year (Penobscot, ME) over three years.

75,683 housing units in Penobscot County, ME; 19,249 Penobscot, ME renter households; 44% of Penobscot, ME renters spend 30%+ of income on rent, 18% (Penobscot, ME) half or more.

Penobscot County, ME ranks #1,780 nationally on the opportunity index (Penobscot, ME, among all ranked counties); Penobscot, ME scores 28.5/100 and Penobscot, ME sits #12 inside Maine. Penobscot, ME is in the early_signal opportunity phase; Penobscot, ME's primary driver is vacancy, Penobscot, ME second driver construction; Penobscot, ME moved down 18 places. 46 short-sale listings across Penobscot, ME; 45 days on market observed in Penobscot, ME; 12.3% vacancy over 47 Penobscot, ME ZIPs.

0.9% of Penobscot County, ME mortgages were ninety-plus days late in December 2025; Penobscot, ME's thirty-to-eighty-nine-day share was 2.8% (CFPB county sample). Penobscot, ME's ninety-day rate is down 0.2 points on twelve months earlier; the Penobscot, ME peak since 2008 was 3.8% in February 2016; Maine overall reads 0.9%.

Penobscot County, ME has 7 watched banks; 7 Penobscot, ME banks sit in an elevated band. Penobscot, ME footprints: Bangor Savings Bank (12 branches, stress 94) in Penobscot, ME; Camden National Bank (6 branches, stress 61) in Penobscot, ME; Bar Harbor Bank&Trust (6 branches, stress 53) in Penobscot, ME.

HUD lists 11 assisted multifamily properties in Penobscot County, ME with 424 units; 274 Penobscot, ME units are assisted, 10 Penobscot, ME properties under project-based Section 8.

10,462 of the 75,683 housing units in Penobscot, ME sit vacant. Penobscot County, ME permitted 120 multifamily units in twelve months; Penobscot, ME's one-to-four unit structures added 390 units in Penobscot County, ME.