ZIP 98846 Property Distress & Foreclosure Data

DLRadar grades ZIP 98846 (Okanogan County, Washington) at a low 26/100 for overall property distress. Property-level stress concentrates in construction/permit lag (58/100), structural risk (55/100), institutional ownership (36/100). On the quiet end sit institutional ownership (36/100) and mortgage stress (17/100). The latent-versus-live split is 55/100 structural and 5/100 already moving. Environmental exposure also runs high (climate & FEMA risk (87/100), FEMA disaster exposure (65/100)).

The peak-phase market in 98846 posted values that rose 3.2% over the year, and 65% higher over three years (phase confidence 27/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

DLRadar's demographic-stress index for the area reads 33/100. 12.5% of residents fall below the poverty threshold. Home values center near $338,200, an affordability ratio of 3.9× — accessible. Around 37% of renters are cost-burdened. The vacancy rate is 23.3% — elevated. Educational attainment sits at 17% bachelor's-or-above. The ZIP holds roughly 636 housing units. Population is roughly 1,313 with a median age of 39. Median household income is $79,972, near the U.S. median near $78,000. Owners hold 89% of homes, renters 11%.

On the whole, 98846 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.