ZIP 98276 Foreclosure, Tax-Lien & Distress Report
Whatcom County, Washington · Cooling Market market
In Whatcom County, Washington, ZIP 98276 scores 35 of 100 for composite distress, a moderate level on DLRadar's public-record index. The latent-versus-live split is 78/100 structural and 6/100 already moving. Climate and flood risk are elevated too — flood (NFIP) exposure (98/100), climate & FEMA risk (91/100), FEMA disaster exposure (72/100). Property-level stress concentrates 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 98276 posted values that held roughly flat over the year, and 1% lower over three years (phase confidence 30/100). Falling values surface more motivated sellers and below-market exits.
Population is roughly 1,547 with a median age of 32. Vacancy runs 7.0%. Median household income is $85,781, near the U.S. median near $78,000. 86% of housing is owner-occupied. DLRadar's demographic-stress index for the area reads 39/100. Around 53% of renters are cost-burdened. A median home runs $524,300 here, or 5.7 times local income. 12.2% of residents fall below the poverty threshold. There are about 631 housing units across 98276. About 22% have a four-year degree.
Taken together, 98276 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
The number is not local guesswork: 98276's 35/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Sparse data for 98276 shows as blanks, never estimates, and the score updates on every fresh public filing.
The 35/100 figure for 98276 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For an operator, 98276 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
What is driving ZIP 98276’s distress
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
98276 at a glance
Real-time distress, cycle phase, housing and bank-stress readings for 98276, the same set carried on every parcel.
Neighbouring ZIPs in Whatcom County
Keep exploring Washington distress
Keep going: ZIP, county and state distress coverage for Whatcom County, Washington.
Get the full acquisition report for 98276
Open 98276 parcel by parcel: owner, address, APN, individual distress score, lender exposure, exit-velocity estimate, and funding and closing in a single click. Updated continuously across the country.
Deterministic scoring, sourced entirely from public data · methodology