Okanogan County, WA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Okanogan County, Washington? DLRadar grades every Okanogan County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 37/100. Here is the 2026 Okanogan County breakdown.
- Okanogan County's most distressed ZIP is 98816 at 37/100.
- 22 ZIP codes tracked in Okanogan County, averaging 26/100 distress.
- Okanogan County reads peak — home values up 1.2% year over year.
- Vacancy runs 24.4% across Okanogan County's tracked ZIPs, with a 15% poverty rate.
- The typical Okanogan County home is worth about $360,085 against a ~$62,011 median income.
- Lending headwind in Okanogan County sits at 50/100 — a forward read on distressed supply.
Compiled from the DLRadar property-distress index and refreshed monthly. Cite with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 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 ZIP codes in Okanogan County (composite distress 0-100, 2026)
What is driving Okanogan County distress
Nothing here is estimated: Okanogan County is scored from filings alone, and its ZIPs average 26/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Okanogan County market phase and pricing
Phase for Okanogan County: peak (+1.2% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Okanogan County
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Questions about this county
What is the most distressed ZIP code in Okanogan County, WA?
ZIP 98816 leads Okanogan County at 37/100, recomputed monthly from public records.
Where is Okanogan County in the housing cycle?
Okanogan County is classified peak with a 1.2% year-over-year increase, following the FHFA House Price Index.
Which datasets feed the Okanogan County scores?
Okanogan County draws on FHFA (peak trajectory), CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS — every one a public source. The scoring model does not change between counties, so these 22 ZIPs are comparable to anywhere else.
How much do distress scores vary between Okanogan County ZIP codes?
One county number flattens a wide range. Across the Okanogan County ZIPs DLRadar ranks, scores run from 37/100 in 98816 down to 27/100 in 98849, against a Okanogan County average of 26/100. With 10 points between best and worst, county-level targeting in Okanogan County wastes effort.
What do Okanogan County home values and vacancy say about distressed supply?
The typical Okanogan County home carries about $360,085 of value against a median household income near $62,011. Vacancy across Okanogan County's tracked ZIPs runs 24.4% and the poverty rate is 15%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Okanogan County's foreclosure and tax-lien filings and its 50/100 lending headwind.
Related
This is a deterministic read of public filings, not advice of any kind — investment, legal or financial. The underlying index updates each month.