ZIP 97038 Property Distress & Foreclosure Data

ZIP code 97038 in Clackamas County, Oregon carries a composite property-distress score of 27/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (96/100), flood (NFIP) exposure (91/100). The latent-versus-live split is 60/100 structural and 5/100 already moving. What sets it apart are the readings on structural risk (60/100), institutional ownership (46/100), mortgage stress (17/100). By contrast, mortgage stress (17/100) and construction/permit lag (15/100) register low.

The market reads peak — home values rose 1.8% year on year, and 3% higher over three years (phase confidence 19/100). Topping markets hide individual distress behind strong averages.

Around 35% of renters are cost-burdened. The poverty rate is 6.5% — low. At $87,585, median income runs above typical U.S. levels. About 17,100 people live here, median age 35. The ZIP holds roughly 6,130 housing units. Around 20% of adults hold a bachelor's degree or higher. The typical home is worth about $483,500 (5.2× income). The demographic-stress sub-score lands at 34/100. The vacancy rate is 4.7%. 71% of housing is owner-occupied.

Net-net, 97038 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.