Josephine County, OR: Foreclosures, Tax Liens & Distressed Properties

Josephine County, OR, Oregon: 11 ZIP codes scored, Josephine County, OR averaging 48/100 (moderate, Josephine, OR), from 30 to 50. Josephine County, OR is in its contraction phase (Josephine, OR confidence 100/100): Josephine, OR home prices down 6.5% (Josephine, OR) over twelve months, 6.5% under their peak. Josephine County, OR lender headwind: 48/100.

Highest-scoring Josephine County, OR ZIPs: 97497 (50/100), 97523 (50/100), 97526 (50/100), 97527 (50/100), 97531 (50/100), 97532 (50/100). Also scored in Josephine County, OR: 97534, 97538, 97543, 97544, 97530.

Across Josephine County, OR's scored ZIPs: median home value $430,230, household income $63,336, 12.0% vacancy, 15.8% poverty, 78% owner-occupied, median age 51.4.

Josephine County, OR insurance distress 68/100 (#672 in the US); FEMA hazard 63/100 for Josephine, OR; 4 federal disaster declarations in Josephine County, OR since 2023; 4 Josephine, OR NFIP flood claims, $130K paid; Josephine, OR construction distress 47/100.

10 banks with 16 branches lend in Josephine County, OR; Josephine, OR weighted bank stress 62/100, highest 67/100 in Josephine, OR.

Josephine County, OR unemployment 7.2% (Josephine, OR -0.3 pts, six months); 259 new housing units permitted in Josephine County, OR over twelve months, Josephine, OR up 2% from 253; Josephine, OR home prices +4.1% a year (Josephine, OR) over three years.

39,503 housing units in Josephine County, OR; 10,287 Josephine, OR renter households; 55% of Josephine, OR renters spend 30%+ of income on rent, 26% (Josephine, OR) half or more.

Josephine County, OR ranks #622 nationally on the opportunity index (Josephine, OR, among all ranked counties); Josephine, OR scores 32.8/100 and Josephine, OR sits #2 inside Oregon. Josephine, OR is in the overheated opportunity phase; Josephine, OR's primary driver is insurance distress, Josephine, OR second driver bank institutional; Josephine, OR moved down 145 places. 12 short-sale listings across Josephine, OR; 86 days on market observed in Josephine, OR; 7.5% vacancy over 11 Josephine, OR ZIPs.

No CFPB county sample covers Josephine County, OR. The state reading for Josephine, OR: 0.6% ninety-plus days late; Josephine, OR's thirty-to-eighty-nine share is 1.2% (Josephine, OR, December 2025 data).

Josephine County, OR has 3 watched banks; 3 Josephine, OR banks sit in an elevated band. Josephine, OR footprints: Evergreen Federal Bank (2 branches, stress 63) in Josephine, OR; Columbia Bank (2 branches, stress 58) in Josephine, OR; Peoples Bank Of Commerce (1 branch, stress 47) in Josephine, OR.

HUD lists 8 assisted multifamily properties in Josephine County, OR with 217 units; 87 Josephine, OR units are assisted.

2,788 of the 39,503 housing units in Josephine, OR sit vacant. Josephine County, OR permitted 97 multifamily units in twelve months; Josephine, OR's one-to-four unit structures added 162 units in Josephine County, OR.