ZIP 98225 Property Distress & Foreclosure Data

Composite property distress in 98225 (Whatcom County, Washington) lands at 32/100 — moderate on DLRadar's public-record scoring. Environmental exposure also runs high (flood (NFIP) exposure (98/100), climate & FEMA risk (91/100)). The sharpest non-environmental signals are structural risk (71/100), institutional ownership (53/100), construction/permit lag (51/100). On the quiet end sit mortgage stress (20/100). Structural risk reads 71/100 against active distress of 6/100.

The expansion-phase market in 98225 posted values that rose 5.2% over the year, and 9% higher over three years, at 36/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Population is roughly 50,355 with a median age of 32. Home values center near $631,200, an affordability ratio of 9.5× — stretched. Owners hold 41% of homes, renters 59%. Vacancy runs 7.0%. DLRadar's demographic-stress index for the area reads 53/100. There are about 24,205 housing units across 98225. 22.3% of residents fall below the poverty threshold. Educational attainment sits at 48% bachelor's-or-above. Median household income is $62,220, below the U.S. median near $78,000. Rent burden reaches 56% of tenant households.

On the whole, 98225 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.