Kitsap County, WA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Kitsap County, WA distress report, 2026: 22 ZIPs scored in Kitsap, WA, Kitsap, WA average 25/100; the top Kitsap, WA ZIP is 98329 at 30/100; Kitsap, WA market phase contraction, Kitsap, WA prices -0.2% year over year.
- Kitsap, WA ranks #2,048 nationally (opportunity index); Kitsap, WA #25 in Washington; Kitsap, WA index 27.5.
- Kitsap, WA ninety-day mortgage delinquency 0.6% in December 2025; Kitsap, WA twelve-month change +0.3%.
- Kitsap, WA ZIP phases: 20 contraction, 2 peak.
- Kitsap, WA residential listings tracked: 102 across 20 ZIPs; Kitsap, WA candidate listings 28.
- Kitsap, WA HUD assisted properties: 10 with 593 units.
- Kitsap, WA lenders on watch: 6; largest Kitsap, WA footprint Heritage Bank (9 branches).
- Kitsap, WA most distressed ZIP: 98329 at 30/100.
Kitsap, WA figures: DLRadar distress index; Kitsap, WA inputs: CFPB, FHFA, HUD, FDIC; Kitsap, WA rebuilt as sources refresh.
| Rank | Kitsap, WA ZIP | Score |
|---|---|---|
| 1 | 98329 | 30/100 |
| 2 | 98528 | 29/100 |
| 3 | 98110 | 24/100 |
| 4 | 98310 | 24/100 |
| 5 | 98311 | 24/100 |
| 6 | 98312 | 24/100 |
| 7 | 98314 | 24/100 |
| 8 | 98315 | 24/100 |
| 9 | 98337 | 24/100 |
| 10 | 98340 | 24/100 |
| 11 | 98342 | 24/100 |
| 12 | 98345 | 24/100 |
Most distressed Kitsap, WA ZIPs (0-100, 2026)
Mortgage delinquency in Kitsap, WA
0.6% of Kitsap, WA mortgages were ninety-plus days late (Kitsap, WA, December 2025); Kitsap, WA thirty-to-eighty-nine days late: 1.1%; Kitsap, WA twelve-month change +0.3%; Kitsap, WA peak since 2008: 4.4% (March 2012); Washington overall 0.6%. Kitsap, WA ninety-day series: Dec 24 0.3, Jan 25 0.5, Feb 25 0.6 (Kitsap, WA), Mar 25 0.5, Apr 25 0.4, May 25 0.5 (Kitsap, WA), Jun 25 0.3, Jul 25 0.3, Aug 25 0.4 (Kitsap, WA), Sep 25 0.4, Oct 25 0.5, Nov 25 0.5 (Kitsap, WA), Dec 25 0.6.
Opportunity index: Kitsap, WA
Kitsap, WA index 27.5, Kitsap, WA phase weak; Kitsap, WA primary driver construction, Kitsap, WA second driver bank institutional. Kitsap, WA components: property stress 14.0, foreclosure pressure 14.6, listing discounts 25.9, bank stress 58.2, insurance 0.0; Kitsap, WA pulse 31.4; Kitsap, WA capital opportunity 21.6.
ZIP market phases inside Kitsap, WA
22 Kitsap, WA ZIPs carry a price-cycle phase; Kitsap, WA ZIPs by phase (Kitsap, WA), deepest drawdown first: contraction, -0.2% YoY, 1.2% off peak (Kitsap, WA): 98110, 98310, 98311, 98314, Kitsap, WA 98315, 98337, 98340, 98342, Kitsap, WA 98345, 98346, 98353, 98359, Kitsap, WA 98364, 98366, 98367, 98370.
Residential listings by Kitsap, WA ZIP
Kitsap, WA ZIPs with the most tracked Kitsap, WA residential listings: 98312 19 listings, 7 candidates, bank pressure 66; 98367 16 listings, 3 candidates, bank pressure 67; 98366 15 listings, 4 candidates, bank pressure 67; 98311 10 listings, 4 candidates, bank pressure 67 (Kitsap, WA); 98310 9 listings, 3 candidates, bank pressure 67; 98383 8 listings, 3 candidates, bank pressure 67; 98110 5 listings, 2 candidates, bank pressure 67; 98337 5 listings, 1 candidates, bank pressure 67. Kitsap, WA totals: 102 listings; Kitsap, WA candidates 28; active ZIPs 13.
HUD assisted housing in Kitsap, WA
10 assisted properties with 593 units sit in Kitsap, WA; largest Kitsap, WA properties: Vineyards Apartments, The (Bremerton) 150 units; Pearl On Oyster Bay, The (Bremerton) 81 units, 64 assisted; Olympic Pointe I & Ii Apartments (Port Orchard) 76 units in Kitsap, WA; Winslow Arms Apartments (Bainbridge Island) 60 units, 60 assisted; Islander Mhp (Bainbridge Island) 50 units; Ridgemont Apartments (Port Orchard) 46 units.
Lenders with branches in Kitsap, WA
Kitsap, WA lenders by branch count: Heritage Bank (Kitsap, WA): stress 58, 9 branches low in Kitsap, WA; Wafd Bank (Kitsap, WA): stress 67, 3 branches low in Kitsap, WA; First Fed Bank (Kitsap, WA): stress 92, 2 branches low in Kitsap, WA; 1st Security Bank Of Wa (Kitsap, WA): stress 64, 2 branches low in Kitsap, WA; Timberland Bank (Kitsap, WA): stress 50, 2 branches low in Kitsap, WA; Liberty Bank (Kitsap, WA): stress 88, 1 branch low in Kitsap, WA.
Vacancy and permits, Kitsap, WA
8,433 of 116,970 Kitsap, WA housing units are vacant; Kitsap, WA permits, twelve months: 553 multifamily units in Kitsap, WA, 648 one-to-four unit units.
Work Kitsap, WA at the parcel level
Every Kitsap, WA parcel carries owner and address; every Kitsap, WA parcel carries APN; Kitsap, WA distress scores sit on the Kitsap, WA live board.
Kitsap, WA figures refresh with each source.
Kitsap, WA questions
Most distressed ZIP code in Kitsap County, WA?
ZIP 98329 leads Kitsap, WA at 30/100; next in Kitsap, WA: 98528 at 29/100; the Kitsap, WA average is 25/100.
Where does Kitsap County, WA rank for investment opportunity?
Kitsap, WA is #2,048 among all ranked counties, #25 in Washington; the Kitsap, WA driver is construction; Kitsap, WA moved down 58 places.
How many mortgages are delinquent in Kitsap County, WA?
0.6% of Kitsap, WA mortgages were ninety-plus days late in December 2025; the Kitsap, WA peak since 2008 was 4.4%.
Which banks lend in Kitsap County, WA?
6 watched lenders hold Kitsap, WA branches; the largest Kitsap, WA footprints are Heritage Bank (9), Wafd Bank (3), First Fed Bank (2).
More on Kitsap, WA
Kitsap County, WA distress report: public-record figures for Kitsap, WA; not legal advice for Kitsap, WA; not tax or investment advice; verify every Kitsap, WA record before acting.