Spokane County, WA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Spokane County, Washington? DLRadar grades every Spokane County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 36/100. Here is the 2026 Spokane County breakdown.
- Spokane County's most distressed ZIP is 99001 at 36/100.
- 48 ZIP codes tracked in Spokane County, averaging 33/100 distress.
- Spokane County reads contraction — home values down 0.5% year over year, 0.5% off peak.
- Vacancy runs 7.1% across Spokane County's tracked ZIPs, with a 12.7% poverty rate.
- The typical Spokane County home is worth about $407,216 against a ~$76,147 median income.
- Lending headwind in Spokane County sits at 51/100 — a forward read on distressed supply.
Source: the DLRadar property-distress index, rebuilt monthly from public records. Cite it freely with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 99001 | 36/100 |
| 2 | 99003 | 36/100 |
| 3 | 99004 | 36/100 |
| 4 | 99005 | 36/100 |
| 5 | 99011 | 36/100 |
| 6 | 99012 | 36/100 |
| 7 | 99014 | 36/100 |
| 8 | 99016 | 36/100 |
| 9 | 99018 | 36/100 |
| 10 | 99019 | 36/100 |
| 11 | 99020 | 36/100 |
| 12 | 99021 | 36/100 |
Most distressed ZIP codes in Spokane County (composite distress 0-100, 2026)
What is driving Spokane County distress
The Spokane County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 33/100 ZIP average. No proprietary or modelled inputs enter the score.
Spokane County market phase and pricing
DLRadar places Spokane County in contraction; prices moved down 0.5% over the year and remain 0.5% under peak. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Spokane County
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Questions about this county
Which Spokane County ZIP scores worst for distress?
ZIP 99001 leads Spokane County at 36/100, recomputed monthly from public records.
How would you describe the Spokane County market phase?
The market phase for Spokane County is contraction, prices falling 0.5% on the year — derived from the FHFA House Price Index path.
How is the Spokane County data sourced?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 48 Spokane County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Spokane County ZIP codes?
One county number flattens a wide range. Across the Spokane County ZIPs DLRadar ranks, scores run from 36/100 in 99001 down to 36/100 in 99021, against a Spokane County average of 33/100. The 0-point range is the argument for ZIP-level search across Spokane County.
What do Spokane County home values and vacancy say about distressed supply?
The typical Spokane County home carries about $407,216 of value against a median household income near $76,147. Vacancy across Spokane County's tracked ZIPs runs 7.1% and the poverty rate is 12.7%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Spokane County's foreclosure and tax-lien filings and its 51/100 lending headwind.
Related
Scores here are computed from public records by fixed formulas. Nothing on this page is investment, legal or financial advice; the index refreshes monthly.