Spokane County, WA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Spokane County, WA distress report, 2026: 48 ZIPs scored in Spokane, WA, Spokane, WA average 32/100; the top Spokane, WA ZIP is 99001 at 34/100; Spokane, WA market phase contraction, Spokane, WA prices -0.5% year over year.
- Spokane, WA ranks #1,378 nationally (opportunity index); Spokane, WA #18 in Washington; Spokane, WA index 29.8.
- Spokane, WA ninety-day mortgage delinquency 0.7% in December 2025; Spokane, WA twelve-month change +0.2%.
- Spokane, WA ZIP phases: 41 contraction, 7 peak.
- Spokane, WA residential listings tracked: 274 across 40 ZIPs; Spokane, WA candidate listings 99.
- Spokane, WA HUD assisted properties: 35 with 2,788 units.
- Spokane, WA lenders on watch: 5; largest Spokane, WA footprint Washington Trust Bank (16 branches).
- Spokane, WA most distressed ZIP: 99001 at 34/100.
Spokane, WA figures: DLRadar distress index; Spokane, WA inputs: CFPB, FHFA, HUD, FDIC; Spokane, WA rebuilt as sources refresh.
| Rank | Spokane, WA ZIP | Score |
|---|---|---|
| 1 | 99001 | 34/100 |
| 2 | 99003 | 34/100 |
| 3 | 99004 | 34/100 |
| 4 | 99005 | 34/100 |
| 5 | 99011 | 34/100 |
| 6 | 99012 | 34/100 |
| 7 | 99014 | 34/100 |
| 8 | 99016 | 34/100 |
| 9 | 99018 | 34/100 |
| 10 | 99019 | 34/100 |
| 11 | 99020 | 34/100 |
| 12 | 99021 | 34/100 |
Most distressed Spokane, WA ZIPs (0-100, 2026)
Mortgage delinquency in Spokane, WA
0.7% of Spokane, WA mortgages were ninety-plus days late (Spokane, WA, December 2025); Spokane, WA thirty-to-eighty-nine days late: 1.3%; Spokane, WA twelve-month change +0.2%; Spokane, WA peak since 2008: 3.3% (June 2012); Washington overall 0.6%. Spokane, WA ninety-day series: Dec 24 0.5, Jan 25 0.6, Feb 25 0.5 (Spokane, WA), Mar 25 0.3, Apr 25 0.3, May 25 0.5 (Spokane, WA), Jun 25 0.5, Jul 25 0.5, Aug 25 0.5 (Spokane, WA), Sep 25 0.5, Oct 25 0.6, Nov 25 0.6 (Spokane, WA), Dec 25 0.7.
Opportunity index: Spokane, WA
Spokane, WA index 29.8, Spokane, WA phase early_signal; Spokane, WA primary driver bank institutional, Spokane, WA second driver construction. Spokane, WA components: property stress 23.9, foreclosure pressure 24.4, listing discounts 30.5, bank stress 52.9, insurance 0.0; Spokane, WA pulse 31.9; Spokane, WA capital opportunity 26.6.
ZIP market phases inside Spokane, WA
48 Spokane, WA ZIPs carry a price-cycle phase; Spokane, WA ZIPs by phase (Spokane, WA), deepest drawdown first: contraction, -0.5% YoY, 0.5% off peak (Spokane, WA): 99001, 99003, 99005, 99011, Spokane, WA 99012, 99014, 99016, 99018, Spokane, WA 99019, 99020, 99021, 99022, Spokane, WA 99023, 99025, 99026, 99027.
Residential listings by Spokane, WA ZIP
Spokane, WA ZIPs with the most tracked Spokane, WA residential listings: 99207 37 listings, 12 candidates, bank pressure 57; 99205 28 listings, 8 candidates, bank pressure 57; 99208 27 listings, 10 candidates, bank pressure 57; 99223 24 listings, 8 candidates, bank pressure 57 (Spokane, WA); 99212 17 listings, 6 candidates, bank pressure 57; 99206 16 listings, 6 candidates, bank pressure 57; 99202 13 listings, 8 candidates, bank pressure 57; 99217 13 listings, 8 candidates, bank pressure 57. Spokane, WA totals: 274 listings; Spokane, WA candidates 99; active ZIPs 29.
HUD assisted housing in Spokane, WA
35 assisted properties with 2,788 units sit in Spokane, WA; largest Spokane, WA properties: Copper Hill (Spokane) 232 units; Copper Landing (Airway Heights) 216 units; Park Tower (Spokane) 184 units, 149 assisted in Spokane, WA; Ridge At Midway (Colbert) 180 units; Lilac Plaza (Spokane) 174 units, 100 assisted; Affinity At Mirabeau Park (Spokane) 170 units.
Lenders with branches in Spokane, WA
Spokane, WA lenders by branch count: Washington Trust Bank (Spokane, WA): stress 68, 16 branches low in Spokane, WA; Banner Bank (Spokane, WA): stress 58, 9 branches low in Spokane, WA; Riverbank (Spokane, WA): stress 54, 3 branches moderate in Spokane, WA; Wafd Bank (Spokane, WA): stress 67, 2 branches moderate in Spokane, WA; Heritage Bank (Spokane, WA): stress 58, 1 branch moderate in Spokane, WA.
Vacancy and permits, Spokane, WA
12,810 of 231,205 Spokane, WA housing units are vacant; Spokane, WA permits, twelve months: 1,531 multifamily units in Spokane, WA, 1,488 one-to-four unit units.
Work Spokane, WA at the parcel level
Every Spokane, WA parcel carries owner and address; every Spokane, WA parcel carries APN; Spokane, WA distress scores sit on the Spokane, WA live board.
Spokane, WA figures refresh with each source.
Spokane, WA questions
Most distressed ZIP code in Spokane County, WA?
ZIP 99001 leads Spokane, WA at 34/100; next in Spokane, WA: 99003 at 34/100; the Spokane, WA average is 32/100.
Where does Spokane County, WA rank for investment opportunity?
Spokane, WA is #1,378 among all ranked counties, #18 in Washington; the Spokane, WA driver is bank institutional; Spokane, WA moved up 480 places.
How many mortgages are delinquent in Spokane County, WA?
0.7% of Spokane, WA mortgages were ninety-plus days late in December 2025; the Spokane, WA peak since 2008 was 3.3%.
Which banks lend in Spokane County, WA?
5 watched lenders hold Spokane, WA branches; the largest Spokane, WA footprints are Washington Trust Bank (16), Banner Bank (9), Riverbank (3).
More on Spokane, WA
Spokane County, WA distress report: public-record figures for Spokane, WA; not legal advice for Spokane, WA; not tax or investment advice; verify every Spokane, WA record before acting.