Island County, WA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Island County, WA distress report, 2026: 8 ZIPs scored in Island, WA, Island, WA average 33/100; the top Island, WA ZIP is 98236 at 33/100; Island, WA market phase peak, Island, WA prices +0.4% year over year.
- Island, WA ranks #208 nationally (opportunity index); Island, WA #2 in Washington; Island, WA index 35.7.
- Island, WA: no CFPB county sample; Island, WA non-metro area reading 0.3%.
- Island, WA ZIP phases: 8 peak.
- Island, WA residential listings tracked: 32 across 8 ZIPs; Island, WA candidate listings 16.
- Island, WA lenders on watch: 3; largest Island, WA footprint Heritage Bank (5 branches).
- Island, WA most distressed ZIP: 98236 at 33/100.
Island, WA figures: DLRadar distress index; Island, WA inputs: CFPB, FHFA, HUD, FDIC; Island, WA rebuilt as sources refresh.
| Rank | Island, WA ZIP | Score |
|---|---|---|
| 1 | 98236 | 33/100 |
| 2 | 98239 | 33/100 |
| 3 | 98249 | 33/100 |
| 4 | 98253 | 33/100 |
| 5 | 98260 | 33/100 |
| 6 | 98277 | 33/100 |
| 7 | 98278 | 33/100 |
| 8 | 98282 | 33/100 |
Most distressed Island, WA ZIPs (0-100, 2026)
Mortgage delinquency around Island, WA
No CFPB county sample covers Island, WA; the non-metro area reading for Island, WA: 0.3% ninety-plus; Island, WA area thirty-to-eighty-nine 1.6% (December 2025, Island, WA); Washington overall 0.6%.
Opportunity index: Island, WA
Island, WA index 35.7, Island, WA phase peak_opportunity; Island, WA primary driver construction, Island, WA second driver vacancy. Island, WA components: property stress 29.8, foreclosure pressure 34.0, listing discounts 29.6, bank stress 60.5, insurance 0.0; Island, WA pulse 42.4; Island, WA capital opportunity 25.7; Island, WA seven-day change -0.5%.
ZIP market phases inside Island, WA
8 Island, WA ZIPs carry a price-cycle phase; Island, WA ZIPs by phase (Island, WA), deepest drawdown first: peak, +0.4% YoY (Island, WA): 98236, 98239, 98249, 98253, Island, WA 98260, 98277, 98278, 98282.
Residential listings by Island, WA ZIP
Island, WA ZIPs with the most tracked Island, WA residential listings: 98277 12 listings, 7 candidates, bank pressure 68; 98282 8 listings, 3 candidates, bank pressure 67; 98239 7 listings, 3 candidates, bank pressure 68; 98236 2 listings, 1 candidates, bank pressure 68 (Island, WA); 98249 1 listings, 0 candidates, bank pressure 68; 98253 1 listings, 1 candidates, bank pressure 68; 98260 1 listings, 1 candidates, bank pressure 68; 98278 0 listings, 0 candidates, bank pressure 68. Island, WA totals: 32 listings; Island, WA candidates 16; active ZIPs 1.
Lenders with branches in Island, WA
Island, WA lenders by branch count: Heritage Bank (Island, WA): stress 58, 5 branches low in Island, WA; Peoples Bank (Island, WA): stress 60, 2 branches low in Island, WA; Coastal Community Bank (Island, WA): stress 94, 1 branch low in Island, WA.
Vacancy and permits, Island, WA
6,772 of 42,744 Island, WA housing units are vacant; Island, WA permits, twelve months: 23 multifamily units in Island, WA, 172 one-to-four unit units.
Work Island, WA at the parcel level
Every Island, WA parcel carries owner and address; every Island, WA parcel carries APN; Island, WA distress scores sit on the Island, WA live board.
Island, WA figures refresh with each source.
Island, WA questions
Most distressed ZIP code in Island County, WA?
ZIP 98236 leads Island, WA at 33/100; next in Island, WA: 98239 at 33/100; the Island, WA average is 33/100.
Where does Island County, WA rank for investment opportunity?
Island, WA is #208 among all ranked counties, #2 in Washington; the Island, WA driver is construction; Island, WA moved down 102 places.
How many mortgages are delinquent in Island County, WA?
Island, WA takes the non-metro area reading of 0.3% for December 2025; no CFPB county sample covers Island, WA.
Which banks lend in Island County, WA?
3 watched lenders hold Island, WA branches; the largest Island, WA footprints are Heritage Bank (5), Peoples Bank (2), Coastal Community Bank (1).
More on Island, WA
Island County, WA distress report: public-record figures for Island, WA; not legal advice for Island, WA; not tax or investment advice; verify every Island, WA record before acting.