ZIP 98240 Property Distress & Foreclosure Data

ZIP code 98240 in Whatcom County, Washington carries a composite property-distress score of 32/100 — a moderate reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (71/100), institutional ownership (53/100), construction/permit lag (51/100). On the quiet end sit mortgage stress (20/100). Environmental exposure also runs high (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 expansion-phase market in 98240 posted values that rose 5.2% over the year, and 4% higher over three years (phase confidence 36/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Home values center near $619,700, an affordability ratio of 5.3×. 4.9% of residents fall below the poverty threshold. The vacancy rate is 4.6%. Population is roughly 3,208 with a median age of 37. Median household income is $106,256, above the U.S. median near $78,000. Educational attainment sits at 24% bachelor's-or-above. Around 0% of renters are cost-burdened. The ZIP holds roughly 1,345 housing units. DLRadar's demographic-stress index for the area reads 27/100. Owners hold 95% of homes, renters 5%.

On balance 98240 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.