ZIP 98230 Property Distress & Foreclosure Data

Whatcom County, Washington's ZIP 98230 registers 32/100 composite distress, which DLRadar reads as moderate. It additionally carries heavy environmental risk: flood (NFIP) exposure (98/100), climate & FEMA risk (91/100). The most distinctive pressure shows up in structural risk (71/100), institutional ownership (53/100), construction/permit lag (51/100). By contrast, mortgage stress (20/100) register low. Structural exposure scores 71 and live distress 6 on the 0–100 scale.

The market reads expansion — home values rose 5.2% year on year, and 24% higher over three years, at 36/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Vacancy runs 15.8%, above the national norm and a classic distress-and-opportunity signal. The typical home is worth about $499,800 (5.7× income). There are about 9,615 housing units across 98230. Around 32% of adults hold a bachelor's degree or higher. About 18,757 people live here, median age 44. The poverty rate is 8.6%. 78% of housing is owner-occupied. At $82,716, median income runs near typical U.S. levels. The demographic-stress sub-score lands at 35/100. Rent burden reaches 37% of tenant households.

Net-net, 98230 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.