Washington County Foreclosure & Distress Reports (2026)
One report per county — 39 in Washington — each scored 0-100 from public foreclosure, tax-lien, mortgage and bank-stress records and refreshed monthly. The live county pages sit under the Washington distress hub; insurance pressure is on the Washington home-insurance page.
39 Washington county reports sit in this archive; Washington opportunity phases run 18 weak, 11 early_signal, 4 peak_opportunity; Washington ninety-day delinquency 0.6%; 29 banks chartered in Washington; 24,069 HUD-assisted Washington units.
Washington counties to open first by opportunity rank: San Juan (#203, overheated); Island (#208, peak_opportunity); Chelan (#270, overheated) in Washington; Mason (#363, peak_opportunity); Grays Harbor (#403, peak_opportunity); Okanogan (#522, overheated).
Washington insurance bands across counties: 15 medium in Washington, 11 low, 10 high, 3 zero; Washington NFIP claims 917 in three years.
Washington counties in the peak phase (32): Adams, Benton, Clallam, Clark, Columbia, Cowlitz (Washington), Ferry, Franklin, Garfield, Grant, Grays Harbor, Island (Washington), Jefferson, King, Kittitas, Klickitat, Lewis, Lincoln (Washington), Mason, Okanogan, Pacific, Pend Oreille, Pierce, San Juan (Washington), Skagit, Skamania, Snohomish, Thurston, Wahkiakum, Walla Walla (Washington), Whitman, Yakima.
Washington counties in the contraction phase (6): Chelan, Douglas, Kitsap, Spokane, Stevens, Whatcom.
Washington counties in the neutral phase (1): Asotin.
Washington permitted 38,911 housing units in twelve months; 241,800 Washington units sit vacant of 3,306,620.
Washington counties highest on the national opportunity index: San Juan #203 (35.8/100, overheated); Island #208 (35.7/100, peak_opportunity); Chelan #270 (35.0/100, overheated) in Washington; Mason #363 (34.2/100, peak_opportunity); Grays Harbor #403 (33.9/100, peak_opportunity); Okanogan #522 (33.3/100, overheated) in Washington; Pacific #626 (32.7/100, peak_opportunity); Lincoln #671 (32.5/100, early_signal); Kittitas #740 (32.2/100, early_signal) in Washington; Skagit #834 (31.8/100, watchlist); Skamania #834 (31.8/100, early_signal); Whatcom #1,100 (30.8/100, early_signal) in Washington.
How the Washington county reports are scored: each Washington report reads its county's foreclosure filings, Washington tax-lien and tax-deed records, FHA mortgage delinquency in Washington (ninety-day rate 0.6%, December 2025), the FDIC stress of Washington lenders (29 chartered in Washington) and FEMA/NFIP pressure on Washington (917 NFIP claims, three years), then scores every Washington ZIP 0-100.
San Juan County leads Washington on the opportunity index at #203 nationally with 10 scored ZIPs. Every Washington report is rebuilt monthly from public records; a Washington county whose data lapses keeps its Washington page and says so.