ZIP 98277 Property Distress & Foreclosure Data

ZIP code 98277 in Island County, Washington carries a composite property-distress score of 31/100 — a moderate reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (82/100), structural risk (71/100), institutional ownership (45/100). mortgage stress (19/100) stay muted. The latent-versus-live split is 71/100 structural and 6/100 already moving. Climate and flood risk are elevated too — flood (NFIP) exposure (86/100), climate & FEMA risk (79/100).

Prices here sit in a peak phase: values rose 2.8% over the trailing year, and 14% higher over three years (phase confidence 26/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Around 39% of renters are cost-burdened. The ZIP holds roughly 17,882 housing units. On demographic stress specifically, 98277 scores 37/100. About 27% have a four-year degree. Households earn a median $79,326 — near the roughly $78,000 national figure. The tenure split is 59% owner-occupied to 41% rented. Roughly 7.5% live below the poverty line. 40,338 residents call 98277 home, typically aged 36. The vacancy rate is 9.6%. A median home runs $499,600 here, or 5.7 times local income.

Overall, 98277 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.