ZIP 97812 Property Distress & Foreclosure Data

ZIP code 97812 in Gilliam County, Oregon carries a composite property-distress score of 8/100 — a minimal reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: FEMA disaster exposure (71/100). The latent-versus-live split is 15/100 structural and 5/100 already moving. What sets it apart are the readings on institutional ownership (38/100), mortgage stress (18/100), structural risk (15/100). By contrast, mortgage stress (18/100) and structural risk (15/100) register low.

The market reads peak — home values rose 3.3% year on year (phase confidence 24/100). Topping markets hide individual distress behind strong averages.

The demographic-stress sub-score lands at 26/100. The ZIP holds roughly 401 housing units. The poverty rate is 10.0%. 69% of housing is owner-occupied. Around 13% of renters are cost-burdened. Around 16% of adults hold a bachelor's degree or higher. At $76,087, median income runs near typical U.S. levels. About 996 people live here, median age 38. The typical home is worth about $293,500 (2.6× income, relatively affordable). The vacancy rate is 13.6% — elevated.

Net-net, 97812 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.