ZIP 98312 Property Distress & Foreclosure Data

ZIP code 98312 in Kitsap County, Washington carries a composite property-distress score of 16/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (34/100), construction/permit lag (7/100), institutional ownership (6/100). On the quiet end sit institutional ownership (6/100) and mortgage stress (4/100). Environmental exposure also runs high (climate & FEMA risk (93/100)). On the structural side it scores 34/100, with 1/100 of stress already active.

The peak-phase market in 98312 posted values that rose 2.8% over the year, and 7% higher over three years (phase confidence 18/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Median household income is $85,332, near the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 35/100. The ZIP holds roughly 15,340 housing units. Owners hold 65% of homes, renters 36%. Around 35% of renters are cost-burdened. Educational attainment sits at 26% bachelor's-or-above. 10.3% of residents fall below the poverty threshold. Home values center near $473,100, an affordability ratio of 5.0×. The vacancy rate is 5.8%. Population is roughly 34,273 with a median age of 37.

Broadly, 98312 is a steadier market — the deals are the exceptions, not the rule. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.