Garfield County, WA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Garfield County, Washington? DLRadar grades every Garfield County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 17/100. Here is the 2026 Garfield County breakdown.
- Garfield County's most distressed ZIP is 99403 at 17/100.
- 2 ZIP codes tracked in Garfield County, averaging 16/100 distress.
- Garfield County reads peak — home values up 1.2% year over year.
- Vacancy runs 10.7% across Garfield County's tracked ZIPs, with a 13.1% poverty rate.
- The typical Garfield County home is worth about $284,350 against a ~$66,813 median income.
- Lending headwind in Garfield County sits at 13/100 — a forward read on distressed supply.
Source data is DLRadar's monthly public-record index. Citation welcome, with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 99403 | 17/100 |
| 2 | 99347 | 15/100 |
Most distressed ZIP codes in Garfield County (composite distress 0-100, 2026)
What is driving Garfield County distress
Garfield County's placement in the national index rests on public filings — a 16/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Garfield County market phase and pricing
Phase for Garfield County: peak (+1.2% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Garfield County
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Questions and answers
Which ZIP code leads Garfield County on distress?
ZIP 99403 leads Garfield County at 17/100, recomputed monthly from public records.
What stage of the price cycle is Garfield County at?
Garfield County is classified peak with a 1.2% year-over-year increase, following the FHFA House Price Index.
Which datasets feed the Garfield County scores?
Each Garfield County number can be traced back to a federal or county source — FHFA, CFPB, the recorder, FEMA/NFIP and Census ACS. One deterministic model covers all 2 local ZIPs and every other county in the country.
How much do distress scores vary between Garfield County ZIP codes?
A county average hides the spread. Across the Garfield County ZIPs DLRadar ranks, scores run from 17/100 in 99403 down to 15/100 in 99347, against a Garfield County average of 16/100. Those 2 points separate the ZIPs worth working in Garfield County from the rest.
What do Garfield County home values and vacancy say about distressed supply?
The typical Garfield County home carries about $284,350 of value against a median household income near $66,813. Vacancy across Garfield County's tracked ZIPs runs 10.7% and the poverty rate is 13.1%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Garfield County's foreclosure and tax-lien filings and its 13/100 lending headwind.
Related
Scores are computed, not advised: public records, fixed formulas, monthly refresh. Not investment, legal or financial advice.