ZIP 97304 Property Distress & Foreclosure Data

In Polk County, Oregon, ZIP 97304 scores 22 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are construction/permit lag (87/100), structural risk (50/100), institutional ownership (9/100). institutional ownership (9/100) and mortgage stress (4/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (77/100). On the structural side it scores 50/100, with 1/100 of stress already active.

Prices here sit in a peak phase: values rose 1.3% over the trailing year, 1.3% off the recent peak, and 7% higher over three years (phase confidence 22/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Roughly 9.6% live below the poverty line. Around 37% of renters are cost-burdened. Households earn a median $91,731 — above the roughly $78,000 national figure. The tenure split is 65% owner-occupied to 35% rented. The ZIP holds roughly 14,570 housing units. 34,846 residents call 97304 home, typically aged 39. A median home runs $499,300 here, or 5.1 times local income. On demographic stress specifically, 97304 scores 34/100. About 39% have a four-year degree. The vacancy rate is 5.3%.

Overall, 97304 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.