ZIP 98262 Foreclosure, Tax-Lien & Distress Report

ZIP code 98262 in Whatcom County, Washington carries a composite property-distress score of 35/100 — a moderate reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (flood (NFIP) exposure (98/100), climate & FEMA risk (91/100), FEMA disaster exposure (71/100)). On the structural side it scores 78/100, with 6/100 of stress already active. The pressure is most legible in structural risk (78/100), construction/permit lag (67/100), institutional ownership (60/100). By contrast, mortgage stress (20/100) register low.

The contraction-phase market in 98262 posted values that held roughly flat over the year, and 69% higher over three years, at 30/100 phase confidence. Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

Median household income is $76,528, near the U.S. median near $78,000. There are about 860 housing units across 98262. Educational attainment sits at 60% bachelor's-or-above. The vacancy rate is 46.4% — elevated. A median home runs $579,000 here, or 6.9 times local income. On demographic stress specifically, 98262 scores 34/100. Rent burden reaches 15% of tenant households. Owners hold 91% of homes, renters 9%. The poverty rate is 7.5%. About 1,020 people live here, median age 63.

Net-net, 98262 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 98262 at the moment; the composite and its components are still built from verifiable public records.

Big metro or rural, 98262 runs through one identical public-record model, so its 35/100 sits on the same scale as every other ZIP in Whatcom County, Washington and the nation. The score is rebuilt from public data as it updates, so 98262 reflects the current record instead of a stale or modeled snapshot.

Behind 98262's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. The point of the 98262 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.