ZIP 98226 Property Distress & Foreclosure Data

Whatcom County, Washington's ZIP 98226 registers 32/100 composite distress, which DLRadar reads as moderate. Climate and flood risk are elevated too — flood (NFIP) exposure (98/100), climate & FEMA risk (91/100). The latent-versus-live split is 71/100 structural and 6/100 already moving. The most distinctive pressure shows up in structural risk (71/100), institutional ownership (53/100), construction/permit lag (51/100). mortgage stress (20/100) stay muted.

Prices here sit in a expansion phase: values rose 5.2% over the trailing year, and 11% higher over three years (phase confidence 36/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Households earn a median $79,684 — near the roughly $78,000 national figure. Roughly 11.5% live below the poverty line. A median home runs $607,600 here, or 7.1 times local income. Around 46% of renters are cost-burdened. About 40% have a four-year degree. The vacancy rate is 5.1%. On demographic stress specifically, 98226 scores 41/100. The tenure split is 62% owner-occupied to 38% rented. The ZIP holds roughly 20,980 housing units. 45,739 residents call 98226 home, typically aged 41.

Overall, 98226 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.