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ZIP 99128 Foreclosure, Tax-Lien & Distress Report

Whitman County, Washington · High Vacancy market

ZIP code 99128 in Whitman County, Washington carries a composite property-distress score of 22/100 — a low reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — flood (NFIP) exposure (80/100). Structural risk reads 51/100 against active distress of 6/100. Property-level stress concentrates in structural risk (51/100), institutional ownership (48/100), construction/permit lag (43/100). On the quiet end sit mortgage stress (21/100).

The peak-phase market in 99128 posted values that held roughly flat over the year, at 16/100 phase confidence. Topping markets hide individual distress behind strong averages.

Median household income is $58,194, below the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 32/100. Educational attainment sits at 26% bachelor's-or-above. Rent burden reaches 11% of tenant households. Roughly 13.7% live below the poverty line. About 248 people live here, median age 51. The ZIP holds roughly 158 housing units. Owners hold 77% of homes, renters 23%. The vacancy rate is 21.5% — elevated. The typical home is worth about $363,500 (5.2× income).

On the whole, 99128 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.

No ZIP is too small to score: 99128 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 22/100 composite is a like-for-like number rather than an isolated estimate. 99128 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 22/100 for 99128 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 99128 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.

22/100
Composite stress
51/100
Structural risk
6/100
Distress activity

Signal-by-signal read on 99128

Foreclosure activity0
Mortgage stress21
Climate / FEMA risk44
9 further dimensions of distress are measured for this ZIP

Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.

The 99128 distress snapshot

The live 99128 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.

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Adjacent Whitman County ZIP reports

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Rules-based scoring — each signal ties to a public dataset · methodology

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