ZIP 98220 Property Distress & Foreclosure Data

Composite property distress in 98220 (Whatcom County, Washington) lands at 32/100 — moderate on DLRadar's public-record scoring. The sharpest non-environmental signals are structural risk (71/100), institutional ownership (53/100), construction/permit lag (51/100). mortgage stress (20/100) stay muted. On the structural side it scores 71/100, with 6/100 of stress already active. Climate and flood risk are elevated too — flood (NFIP) exposure (98/100), climate & FEMA risk (91/100).

Prices here sit in a expansion phase: values rose 5.2% over the trailing year, and 56% higher over three years (phase confidence 36/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Roughly 8.6% live below the poverty line. Around 0% of renters are cost-burdened. Households earn a median $142,891 — above the roughly $78,000 national figure. On demographic stress specifically, 98220 scores 21/100. The tenure split is 87% owner-occupied to 13% rented. 558 residents call 98220 home, typically aged 42. About 26% have a four-year degree. The ZIP holds roughly 205 housing units. The vacancy rate is 0.0%. A median home runs $368,800 here, or 3.2 times local income.

Overall, 98220 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.