ZIP 98295 Property Distress & Foreclosure Data

ZIP code 98295 in Whatcom County, Washington carries a composite property-distress score of 32/100 — a moderate reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — flood (NFIP) exposure (98/100), climate & FEMA risk (91/100). The latent-versus-live split is 71/100 structural and 6/100 already moving. What sets it apart are the readings on structural risk (71/100), institutional ownership (53/100), construction/permit lag (51/100). mortgage stress (20/100) stay muted.

Prices here sit in a expansion phase: values rose 5.2% over the trailing year, and 2% lower over three years (phase confidence 36/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

A median home runs $456,200 here, or 4.2 times local income. About 18% have a four-year degree. Households earn a median $96,337 — above the roughly $78,000 national figure. Around 24% of renters are cost-burdened. Roughly 5.4% live below the poverty line, a low share typical of higher-equity areas. The vacancy rate is 3.8%. 3,135 residents call 98295 home, typically aged 37. On demographic stress specifically, 98295 scores 31/100. The ZIP holds roughly 1,229 housing units. The tenure split is 60% owner-occupied to 40% rented.

Overall, 98295 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.