Cowlitz County, WA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Cowlitz County, WA distress report, 2026: 12 ZIPs scored in Cowlitz, WA, Cowlitz, WA average 32/100; the top Cowlitz, WA ZIP is 98581 at 33/100; Cowlitz, WA market phase peak, Cowlitz, WA prices +2.4% year over year.
- Cowlitz, WA ranks #1,635 nationally (opportunity index); Cowlitz, WA #20 in Washington; Cowlitz, WA index 28.9.
- Cowlitz, WA: no CFPB county sample; Cowlitz, WA non-metro area reading 0.3%.
- Cowlitz, WA ZIP phases: 12 peak.
- Cowlitz, WA residential listings tracked: 73 across 10 ZIPs; Cowlitz, WA candidate listings 31.
- Cowlitz, WA lenders on watch: 2; largest Cowlitz, WA footprint Twin City Bank (1 branch).
- Cowlitz, WA most distressed ZIP: 98581 at 33/100.
Cowlitz, WA figures: DLRadar distress index; Cowlitz, WA inputs: CFPB, FHFA, HUD, FDIC; Cowlitz, WA rebuilt as sources refresh.
| Rank | Cowlitz, WA ZIP | Score |
|---|---|---|
| 1 | 98581 | 33/100 |
| 2 | 98603 | 33/100 |
| 3 | 98609 | 33/100 |
| 4 | 98611 | 33/100 |
| 5 | 98625 | 33/100 |
| 6 | 98626 | 33/100 |
| 7 | 98632 | 33/100 |
| 8 | 98645 | 33/100 |
| 9 | 98649 | 33/100 |
| 10 | 98674 | 31/100 |
| 11 | 98601 | 29/100 |
| 12 | 98616 | 22/100 |
Most distressed Cowlitz, WA ZIPs (0-100, 2026)
Mortgage delinquency around Cowlitz, WA
No CFPB county sample covers Cowlitz, WA; the non-metro area reading for Cowlitz, WA: 0.3% ninety-plus; Cowlitz, WA area thirty-to-eighty-nine 1.6% (December 2025, Cowlitz, WA); Washington overall 0.6%.
Opportunity index: Cowlitz, WA
Cowlitz, WA index 28.9, Cowlitz, WA phase early_signal; Cowlitz, WA primary driver construction, Cowlitz, WA second driver bank institutional. Cowlitz, WA components: property stress 17.9, foreclosure pressure 17.7, listing discounts 33.1, bank stress 48.8, insurance 0.0; Cowlitz, WA pulse 29.7; Cowlitz, WA capital opportunity 27.1; Cowlitz, WA seven-day change -0.3%.
ZIP market phases inside Cowlitz, WA
12 Cowlitz, WA ZIPs carry a price-cycle phase; Cowlitz, WA ZIPs by phase (Cowlitz, WA), deepest drawdown first: peak, +2.4% YoY (Cowlitz, WA): 98581, 98603, 98609, 98611, Cowlitz, WA 98625, 98626, 98632, 98645, Cowlitz, WA 98649; peak, +1.2% YoY (Cowlitz, WA): 98601; peak, +1.1% YoY (Cowlitz, WA): 98616; peak, +1.9% YoY (Cowlitz, WA): 98674.
Residential listings by Cowlitz, WA ZIP
Cowlitz, WA ZIPs with the most tracked Cowlitz, WA residential listings: 98632 36 listings, 16 candidates, bank pressure 65; 98626 17 listings, 6 candidates, bank pressure 66; 98611 8 listings, 5 candidates, bank pressure 66; 98674 6 listings, 4 candidates, bank pressure 64 (Cowlitz, WA); 98625 3 listings, 0 candidates, bank pressure 66; 98609 2 listings, 0 candidates, bank pressure 66; 98645 1 listings, 0 candidates, bank pressure 66; 98581 0 listings, 0 candidates, bank pressure 66. Cowlitz, WA totals: 73 listings; Cowlitz, WA candidates 31; active ZIPs 7.
Lenders with branches in Cowlitz, WA
Cowlitz, WA lenders by branch count: Twin City Bank (Cowlitz, WA): stress 84, 1 branch low in Cowlitz, WA; Heritage Bank (Cowlitz, WA): stress 58, 1 branch low in Cowlitz, WA.
Vacancy and permits, Cowlitz, WA
2,479 of 46,422 Cowlitz, WA housing units are vacant; Cowlitz, WA permits, twelve months: 8 multifamily units in Cowlitz, WA, 237 one-to-four unit units.
Work Cowlitz, WA at the parcel level
Every Cowlitz, WA parcel carries owner and address; every Cowlitz, WA parcel carries APN; Cowlitz, WA distress scores sit on the Cowlitz, WA live board.
Cowlitz, WA figures refresh with each source.
Cowlitz, WA questions
Most distressed ZIP code in Cowlitz County, WA?
ZIP 98581 leads Cowlitz, WA at 33/100; next in Cowlitz, WA: 98603 at 33/100; the Cowlitz, WA average is 32/100.
Where does Cowlitz County, WA rank for investment opportunity?
Cowlitz, WA is #1,635 among all ranked counties, #20 in Washington; the Cowlitz, WA driver is construction; Cowlitz, WA moved up 660 places.
How many mortgages are delinquent in Cowlitz County, WA?
Cowlitz, WA takes the non-metro area reading of 0.3% for December 2025; no CFPB county sample covers Cowlitz, WA.
Which banks lend in Cowlitz County, WA?
2 watched lenders hold Cowlitz, WA branches; the largest Cowlitz, WA footprints are Twin City Bank (1), Heritage Bank (1).
More on Cowlitz, WA
Cowlitz County, WA distress report: public-record figures for Cowlitz, WA; not legal advice for Cowlitz, WA; not tax or investment advice; verify every Cowlitz, WA record before acting.