ZIP 97738 Foreclosure, Tax-Lien & Distress Report

In Harney County, Oregon, ZIP 97738 scores 20 of 100 for composite distress, a low level on DLRadar's distress index. Environmental exposure also runs high (flood (NFIP) exposure (75/100)). Its heaviest discrete signals: construction/permit lag (50/100), institutional ownership (49/100), structural risk (46/100). mortgage stress (20/100) stay muted. The split runs 46/100 structural to 6/100 active on the ground.

The market reads recovery — home values rose 2.5% year on year, and 20% higher over three years, at 29/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Population is roughly 2,187 with a median age of 39. Vacancy runs 3.8%. Rent burden reaches 59% of tenant households. DLRadar's demographic-stress index for the area reads 31/100. The typical home is worth about $294,200 (2.8× income, relatively affordable). Households earn a median $70,250 — near the roughly $78,000 national figure. There are about 890 housing units across 97738. About 23% have a four-year degree. Owners hold 77% of homes, renters 23%. 10.6% of residents fall below the poverty threshold.

Net-net, 97738 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. There is no property file for 97738 at the moment; the composite and its components are still built from verifiable records.

Because one deterministic model scores every ZIP, 97738's 20/100 can be lined up against any neighbor in Harney County, Oregon or any ZIP coast to coast. Where the record is thin for 97738, the field stays empty rather than modeled, and fills in as new documents post.

The 20/100 figure for 97738 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. Practically, 97738 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.