Kitsap County, WA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Kitsap County, Washington? DLRadar grades every Kitsap County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 31/100. Here is the 2026 Kitsap County breakdown.
- Kitsap County's most distressed ZIP is 98528 at 31/100.
- 22 ZIP codes tracked in Kitsap County, averaging 23/100 distress.
- Kitsap County reads contraction — home values down 0.2% year over year, 1.2% off peak.
- Vacancy runs 10.8% across Kitsap County's tracked ZIPs, with a 7.5% poverty rate.
- The typical Kitsap County home is worth about $567,811 against a ~$101,285 median income.
- Lending headwind in Kitsap County sits at 62/100 — a forward read on distressed supply.
All figures come from the monthly DLRadar distress index built on public records. Attribution to DLRadar (dlradar.com) appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 98528 | 31/100 |
| 2 | 98329 | 29/100 |
| 3 | 98380 | 23/100 |
| 4 | 98110 | 22/100 |
| 5 | 98310 | 22/100 |
| 6 | 98311 | 22/100 |
| 7 | 98312 | 22/100 |
| 8 | 98314 | 22/100 |
| 9 | 98315 | 22/100 |
| 10 | 98337 | 22/100 |
| 11 | 98340 | 22/100 |
| 12 | 98342 | 22/100 |
Most distressed ZIP codes in Kitsap County (composite distress 0-100, 2026)
What is driving Kitsap County distress
Nothing here is estimated: Kitsap County is scored from filings alone, and its ZIPs average 23/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Kitsap County market phase and pricing
Kitsap County currently sits in contraction after a 0.2% decline in the past twelve months, 1.2% off the high. Slower absorption is the mechanism that converts price weakness into motivated supply.
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Frequently asked
What is the most distressed ZIP code in Kitsap County, WA?
ZIP 98528 leads Kitsap County at 31/100, recomputed monthly from public records.
Where is Kitsap County in the housing cycle?
Kitsap County reads contraction, with home prices down 0.2% year over year. Phase comes from FHFA House Price Index trajectory.
Which datasets feed the Kitsap County scores?
Each Kitsap 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 22 local ZIPs and every other county in the country.
How much do distress scores vary between Kitsap County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Kitsap County ZIPs DLRadar ranks, scores run from 31/100 in 98528 down to 22/100 in 98342, against a Kitsap County average of 23/100. Those 9 points separate the ZIPs worth working in Kitsap County from the rest.
What do Kitsap County home values and vacancy say about distressed supply?
The typical Kitsap County home carries about $567,811 of value against a median household income near $101,285. Vacancy across Kitsap County's tracked ZIPs runs 10.8% and the poverty rate is 7.5%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Kitsap County's foreclosure and tax-lien filings and its 62/100 lending headwind.
Related
These scores come from public filings run through fixed formulas. Nothing here is investment, legal or financial advice; the index refreshes monthly.