Thurston County, WA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Thurston County, WA distress report, 2026: 16 ZIPs scored in Thurston, WA, Thurston, WA average 27/100; the top Thurston, WA ZIP is 98568 at 34/100; Thurston, WA market phase peak, Thurston, WA prices +2.1% year over year.
- Thurston, WA ranks #2,586 nationally (opportunity index); Thurston, WA #33 in Washington; Thurston, WA index 25.5.
- Thurston, WA ninety-day mortgage delinquency 0.6% in December 2025; Thurston, WA twelve-month change +0.1%.
- Thurston, WA ZIP phases: 16 peak.
- Thurston, WA residential listings tracked: 131 across 14 ZIPs; Thurston, WA candidate listings 36.
- Thurston, WA HUD assisted properties: 12 with 1,073 units.
- Thurston, WA lenders on watch: 7; largest Thurston, WA footprint Olympia Fs&La (7 branches).
- Thurston, WA most distressed ZIP: 98568 at 34/100.
Thurston, WA figures: DLRadar distress index; Thurston, WA inputs: CFPB, FHFA, HUD, FDIC; Thurston, WA rebuilt as sources refresh.
| Rank | Thurston, WA ZIP | Score |
|---|---|---|
| 1 | 98568 | 34/100 |
| 2 | 98531 | 31/100 |
| 3 | 98579 | 28/100 |
| 4 | 98501 | 26/100 |
| 5 | 98502 | 26/100 |
| 6 | 98503 | 26/100 |
| 7 | 98505 | 26/100 |
| 8 | 98506 | 26/100 |
| 9 | 98512 | 26/100 |
| 10 | 98513 | 26/100 |
| 11 | 98516 | 26/100 |
| 12 | 98530 | 26/100 |
Most distressed Thurston, WA ZIPs (0-100, 2026)
Mortgage delinquency in Thurston, WA
0.6% of Thurston, WA mortgages were ninety-plus days late (Thurston, WA, December 2025); Thurston, WA thirty-to-eighty-nine days late: 1.4%; Thurston, WA twelve-month change +0.1%; Thurston, WA peak since 2008: 4.0% (April 2012); Washington overall 0.6%. Thurston, WA ninety-day series: Dec 24 0.5, Jan 25 0.5, Feb 25 0.5 (Thurston, WA), Mar 25 0.4, Apr 25 0.4, May 25 0.5 (Thurston, WA), Jun 25 0.4, Jul 25 0.4, Aug 25 0.5 (Thurston, WA), Sep 25 0.5, Oct 25 0.7, Nov 25 0.7 (Thurston, WA), Dec 25 0.6.
Opportunity index: Thurston, WA
Thurston, WA index 25.5, Thurston, WA phase weak; Thurston, WA primary driver bank institutional, Thurston, WA second driver listings discount. Thurston, WA components: property stress 14.3, foreclosure pressure 13.8, listing discounts 30.3, bank stress 56.3, insurance 0.0; Thurston, WA pulse 26.5; Thurston, WA capital opportunity 23.9; Thurston, WA seven-day change -0.3%.
ZIP market phases inside Thurston, WA
16 Thurston, WA ZIPs carry a price-cycle phase; Thurston, WA ZIPs by phase (Thurston, WA), deepest drawdown first: peak, +2.1% YoY, 0.7% off peak (Thurston, WA): 98501, 98503, 98505, 98506, Thurston, WA 98512, 98513, 98516, 98530, Thurston, WA 98556, 98576, 98589, 98597, Thurston, WA 98502; peak, +1.4% YoY, 0.4% off peak (Thurston, WA): 98579; peak, +0.8% YoY, 0.1% off peak (Thurston, WA): 98531; peak, +0.4% YoY, 0.0% off peak (Thurston, WA): 98568.
Residential listings by Thurston, WA ZIP
Thurston, WA ZIPs with the most tracked Thurston, WA residential listings: 98597 44 listings, 7 candidates, bank pressure 65; 98513 19 listings, 4 candidates, bank pressure 65; 98503 15 listings, 2 candidates, bank pressure 65; 98512 13 listings, 3 candidates, bank pressure 65 (Thurston, WA); 98516 11 listings, 5 candidates, bank pressure 65; 98501 8 listings, 1 candidates, bank pressure 65; 98502 7 listings, 4 candidates, bank pressure 65; 98506 6 listings, 3 candidates, bank pressure 65. Thurston, WA totals: 131 listings; Thurston, WA candidates 36; active ZIPs 12.
HUD assisted housing in Thurston, WA
12 assisted properties with 1,073 units sit in Thurston, WA; largest Thurston, WA properties: Toscana Apartment Homes (Lacey) 165 units; College Glen Apartments (Lacey) 164 units; Capitol House (Olympia) 113 units in Thurston, WA; Carpenter Crest Apartments (Lacey) 104 units; Hearthstone Apartments (Phase 2) (Tumwater) 104 units; Ashwood Downs Apartments (Olympia) 96 units.
Lenders with branches in Thurston, WA
Thurston, WA lenders by branch count: Olympia Fs&La (Thurston, WA): stress 78, 7 branches low in Thurston, WA; Timberland Bank (Thurston, WA): stress 50, 6 branches low in Thurston, WA; Heritage Bank (Thurston, WA): stress 58, 4 branches low in Thurston, WA; Wafd Bank (Thurston, WA): stress 67, 2 branches low in Thurston, WA; 1st Security Bank Of Wa (Thurston, WA): stress 64, 2 branches low in Thurston, WA; Commencement Bank (Thurston, WA): stress 74, 1 branch low in Thurston, WA; Bank Of The Pacific (Thurston, WA): stress 65, 1 branch low in Thurston, WA.
Vacancy and permits, Thurston, WA
6,264 of 125,163 Thurston, WA housing units are vacant; Thurston, WA permits, twelve months: 954 multifamily units in Thurston, WA, 798 one-to-four unit units.
Work Thurston, WA at the parcel level
Every Thurston, WA parcel carries owner and address; every Thurston, WA parcel carries APN; Thurston, WA distress scores sit on the Thurston, WA live board.
Thurston, WA figures refresh with each source.
Thurston, WA questions
Most distressed ZIP code in Thurston County, WA?
ZIP 98568 leads Thurston, WA at 34/100; next in Thurston, WA: 98531 at 31/100; the Thurston, WA average is 27/100.
Where does Thurston County, WA rank for investment opportunity?
Thurston, WA is #2,586 among all ranked counties, #33 in Washington; the Thurston, WA driver is bank institutional; Thurston, WA moved up 269 places.
How many mortgages are delinquent in Thurston County, WA?
0.6% of Thurston, WA mortgages were ninety-plus days late in December 2025; the Thurston, WA peak since 2008 was 4.0%.
Which banks lend in Thurston County, WA?
7 watched lenders hold Thurston, WA branches; the largest Thurston, WA footprints are Olympia Fs&La (7), Timberland Bank (6), Heritage Bank (4).
More on Thurston, WA
Thurston County, WA distress report: public-record figures for Thurston, WA; not legal advice for Thurston, WA; not tax or investment advice; verify every Thurston, WA record before acting.