ZIP 98266 Property Distress & Foreclosure Data

Composite property distress in 98266 (Whatcom County, Washington) lands at 32/100 — moderate on DLRadar's public-record scoring. The sharpest non-environmental signals are structural risk (71/100), institutional ownership (53/100), construction/permit lag (51/100). By contrast, mortgage stress (20/100) register low. It additionally carries heavy environmental risk: 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 market reads expansion — home values rose 5.2% year on year, and 19% higher over three years (phase confidence 36/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Around 32% of renters are cost-burdened. The poverty rate is 18.1% — high, a tax-stress and distress correlate. The vacancy rate is 15.2% — elevated. Around 12% of adults hold a bachelor's degree or higher. The typical home is worth about $421,200 (6.8× income). The demographic-stress sub-score lands at 42/100. At $53,115, median income runs below typical U.S. levels. The ZIP holds roughly 2,088 housing units. About 4,198 people live here, median age 42. 74% of housing is owner-occupied.

Net-net, 98266 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.