ZIP 97801 Foreclosure, Tax-Lien & Distress Report

In Umatilla County, Oregon, ZIP 97801 scores 32 of 100 for composite distress, a moderate level on DLRadar's distress index. The sharpest non-environmental signals are structural risk (71/100), construction/permit lag (65/100), institutional ownership (61/100). mortgage stress (16/100) stay muted. The split runs 71/100 structural to 5/100 active on the ground. It additionally carries heavy environmental risk: FEMA disaster exposure (88/100), climate & FEMA risk (81/100), flood (NFIP) exposure (62/100).

Prices here sit in a peak phase: values rose 1.2% over the trailing year, and 15% higher over three years (phase confidence 9/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Median household income is $73,308, near the U.S. median near $78,000. 61% of housing is owner-occupied. The poverty rate is 13.8%. DLRadar's demographic-stress index for the area reads 32/100. Home values center near $293,000, an affordability ratio of 3.8× — accessible. About 26% have a four-year degree. The vacancy rate is 12.0% — elevated. About 21,930 people live here, median age 38. Around 35% of renters are cost-burdened. There are about 8,979 housing units across 97801.

Overall, 97801 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.

Big metro or rural, 97801 runs through one identical scoring model, so its 32/100 sits on the same scale as every other ZIP in Umatilla County, Oregon and the nation. Nothing here is interpolated — where a source is thin for 97801, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 32/100 for 97801 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For a buyer, 97801 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.