ZIP 97540 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 97540 (Jackson County, Oregon) at a moderate 30/100 for overall property distress. Climate and flood risk are elevated too — climate & FEMA risk (93/100), flood (NFIP) exposure (74/100), FEMA disaster exposure (71/100). Structural risk reads 66/100 against active distress of 5/100. The pressure is most legible in structural risk (66/100), institutional ownership (55/100), construction/permit lag (35/100). By contrast, construction/permit lag (35/100) and mortgage stress (18/100) register low.

Prices here sit in a peak phase: values rose 3.7% over the trailing year, and 0% lower over three years, at 21/100 phase confidence. Topping markets hide individual distress behind strong averages.

Median household income is $57,686, below the U.S. median near $78,000. The typical home is worth about $453,900 (7.4× income, severely stretched). Roughly 13.5% live below the poverty line. Rent burden reaches 42% of tenant households. Vacancy runs 6.9%. Owners hold 58% of homes, renters 42%. About 43% have a four-year degree. The demographic-stress sub-score lands at 42/100. There are about 4,186 housing units across 97540. 8,475 residents call 97540 home, typically aged 42.

On balance 97540 is mixed, rewarding parcel-by-parcel screening over broad assumptions. There is no property file for 97540 at the moment; the composite and its components are still built from verifiable public records.

No ZIP is too small to score: 97540 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 30/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 97540 reflects the current record instead of a stale or modeled snapshot.

97540's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. In workflow terms, 97540 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.