Okanogan County, WA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Okanogan County, WA distress report, 2026: 22 ZIPs scored in Okanogan, WA, Okanogan, WA average 26/100; the top Okanogan, WA ZIP is 98816 at 37/100; Okanogan, WA market phase peak, Okanogan, WA prices +1.2% year over year.
- Okanogan, WA ranks #522 nationally (opportunity index); Okanogan, WA #6 in Washington; Okanogan, WA index 33.3.
- Okanogan, WA: no CFPB county sample; Okanogan, WA non-metro area reading 0.3%.
- Okanogan, WA ZIP phases: 20 peak, 2 contraction.
- Okanogan, WA residential listings tracked: 23 across 19 ZIPs; Okanogan, WA candidate listings 19.
- Okanogan, WA HUD assisted properties: 1 with 10 units.
- Okanogan, WA lenders on watch: 2; largest Okanogan, WA footprint Wafd Bank (1 branch).
- Okanogan, WA most distressed ZIP: 98816 at 37/100.
Okanogan, WA figures: DLRadar distress index; Okanogan, WA inputs: CFPB, FHFA, HUD, FDIC; Okanogan, WA rebuilt as sources refresh.
| Rank | Okanogan, WA ZIP | Score |
|---|---|---|
| 1 | 98816 | 37/100 |
| 2 | 98846 | 28/100 |
| 3 | 98814 | 27/100 |
| 4 | 98819 | 27/100 |
| 5 | 98827 | 27/100 |
| 6 | 98829 | 27/100 |
| 7 | 98833 | 27/100 |
| 8 | 98834 | 27/100 |
| 9 | 98840 | 27/100 |
| 10 | 98841 | 27/100 |
| 11 | 98844 | 27/100 |
| 12 | 98849 | 27/100 |
Most distressed Okanogan, WA ZIPs (0-100, 2026)
Mortgage delinquency around Okanogan, WA
No CFPB county sample covers Okanogan, WA; the non-metro area reading for Okanogan, WA: 0.3% ninety-plus; Okanogan, WA area thirty-to-eighty-nine 1.6% (December 2025, Okanogan, WA); Washington overall 0.6%.
Opportunity index: Okanogan, WA
Okanogan, WA index 33.3, Okanogan, WA phase overheated; Okanogan, WA primary driver vacancy, Okanogan, WA second driver bank institutional. Okanogan, WA components: property stress 28.4, foreclosure pressure 31.5, listing discounts 27.2, bank stress 58.0, insurance 0.0; Okanogan, WA pulse 38.6; Okanogan, WA capital opportunity 25.0; Okanogan, WA seven-day change -0.9%.
ZIP market phases inside Okanogan, WA
22 Okanogan, WA ZIPs carry a price-cycle phase; Okanogan, WA ZIPs by phase (Okanogan, WA), deepest drawdown first: contraction, -2.5% YoY, 2.5% off peak (Okanogan, WA): 98816; contraction, -1.7% YoY, 2.0% off peak (Okanogan, WA): 98813; peak, +0.2% YoY, 0.6% off peak (Okanogan, WA): 98812; peak, +1.0% YoY, 0.1% off peak (Okanogan, WA): 98846; peak, +1.1% YoY, 0.0% off peak (Okanogan, WA): 99116; peak, +1.2% YoY (Okanogan, WA): 98814, 98819, 98827, 98829, Okanogan, WA 98833, 98834, 98840, 98841, Okanogan, WA 98844, 98849, 98855.
Residential listings by Okanogan, WA ZIP
Okanogan, WA ZIPs with the most tracked Okanogan, WA residential listings: 98841 5 listings, 5 candidates, bank pressure 62; 98844 5 listings, 5 candidates, bank pressure 62; 98855 5 listings, 3 candidates, bank pressure 62; 98840 2 listings, 1 candidates, bank pressure 62 (Okanogan, WA); 98846 2 listings, 2 candidates, bank pressure 63; 98812 1 listings, 1 candidates, bank pressure 62; 98814 1 listings, 1 candidates, bank pressure 62; 98862 1 listings, 1 candidates, bank pressure 62. Okanogan, WA totals: 23 listings; Okanogan, WA candidates 19; active ZIPs 0.
HUD assisted housing in Okanogan, WA
1 assisted properties with 10 units sit in Okanogan, WA; largest Okanogan, WA properties: Pine Meadows Senior Housing (Omak) 10 units, 9 assisted.
Lenders with branches in Okanogan, WA
Okanogan, WA lenders by branch count: Wafd Bank (Okanogan, WA): stress 67, 1 branch low in Okanogan, WA; Farmers State Bank (Okanogan, WA): stress 58, 1 branch low in Okanogan, WA.
Vacancy and permits, Okanogan, WA
4,616 of 22,156 Okanogan, WA housing units are vacant; Okanogan, WA permits, twelve months: 0 multifamily units in Okanogan, WA, 221 one-to-four unit units.
Work Okanogan, WA at the parcel level
Every Okanogan, WA parcel carries owner and address; every Okanogan, WA parcel carries APN; Okanogan, WA distress scores sit on the Okanogan, WA live board.
Okanogan, WA figures refresh with each source.
Okanogan, WA questions
Most distressed ZIP code in Okanogan County, WA?
ZIP 98816 leads Okanogan, WA at 37/100; next in Okanogan, WA: 98846 at 28/100; the Okanogan, WA average is 26/100.
Where does Okanogan County, WA rank for investment opportunity?
Okanogan, WA is #522 among all ranked counties, #6 in Washington; the Okanogan, WA driver is vacancy; Okanogan, WA moved down 132 places.
How many mortgages are delinquent in Okanogan County, WA?
Okanogan, WA takes the non-metro area reading of 0.3% for December 2025; no CFPB county sample covers Okanogan, WA.
Which banks lend in Okanogan County, WA?
2 watched lenders hold Okanogan, WA branches; the largest Okanogan, WA footprints are Wafd Bank (1), Farmers State Bank (1).
More on Okanogan, WA
Okanogan County, WA distress report: public-record figures for Okanogan, WA; not legal advice for Okanogan, WA; not tax or investment advice; verify every Okanogan, WA record before acting.