ZIP 98264 Foreclosure, Tax-Lien & Distress Report

Whatcom County, Washington's ZIP 98264 registers 35/100 composite distress, which DLRadar reads as moderate. It additionally carries heavy environmental risk: flood (NFIP) exposure (98/100), climate & FEMA risk (91/100), FEMA disaster exposure (71/100). Latent structural risk is 78/100 while live distress already moving reads 6/100. Its standout signals are structural risk (78/100), construction/permit lag (67/100), institutional ownership (60/100). mortgage stress (20/100) stay muted.

Prices here sit in a contraction phase: values held roughly flat over the trailing year, and 12% 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 $95,225, above the U.S. median near $78,000. Around 25% of adults hold a bachelor's degree or higher. About 22,365 people live here, median age 37. On demographic stress specifically, 98264 scores 37/100. Rent burden reaches 40% of tenant households. A median home runs $609,100 here, or 5.7 times local income. 11.6% of residents fall below the poverty threshold. Vacancy runs 4.2%. The ZIP holds roughly 8,622 housing units. Owners hold 68% of homes, renters 32%.

Taken together, 98264 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 98264 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The number is not local guesswork: 98264's 35/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the public record is thin for 98264, the field stays empty rather than modeled, and fills in as new documents post.

98264's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. The point of the 98264 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.