ZIP 97326 Property Distress & Foreclosure Data

ZIP code 97326 in Lincoln County, Oregon carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (87/100), flood (NFIP) exposure (64/100). On the structural side it scores 51/100, with 5/100 of stress already active. What sets it apart are the readings on structural risk (51/100), institutional ownership (40/100), mortgage stress (18/100). By contrast, mortgage stress (18/100) and construction/permit lag (9/100) register low.

The market reads peak — home values rose 1.3% year on year (phase confidence 28/100). Topping markets hide individual distress behind strong averages.

At $104,409, median income runs above typical U.S. levels. Around 0% of renters are cost-burdened. The poverty rate is 10.7%. The demographic-stress sub-score lands at 22/100. 95% of housing is owner-occupied. About 931 people live here, median age 46. Around 32% of adults hold a bachelor's degree or higher. The ZIP holds roughly 404 housing units. The vacancy rate is 22.4% — elevated. The typical home is worth about $349,300 (3.2× income, relatively affordable).

Net-net, 97326 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.