ZIP 02838 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 02838 (Providence County, Rhode Island) at a low 28/100 for overall property distress. The most distinctive pressure shows up in structural risk (60/100), institutional ownership (56/100), mortgage stress (21/100). By contrast, mortgage stress (21/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (95/100), climate & FEMA risk (93/100), FEMA disaster exposure (65/100). Structurally it carries 60/100, against 6/100 of stress already in motion.

Prices here sit in a peak phase: values rose 4.4% over the trailing year, and 26% higher over three years (phase confidence 31/100). Topping markets hide individual distress behind strong averages.

The tenure split is 55% owner-occupied to 45% rented. The poverty rate is 10.6%. A median home runs $372,300 here, or 4.0 times local income. Around 33% of renters are cost-burdened. Vacancy runs 6.1%. The ZIP holds roughly 1,326 housing units. Median household income is $82,075, near the U.S. median near $78,000. On demographic stress specifically, 02838 scores 30/100. Around 49% of adults hold a bachelor's degree or higher. Population is roughly 4,007 with a median age of 35.

Net-net, 02838 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. 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: 02838 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 28/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 02838, the field stays empty rather than modeled, and fills in as new documents post.

02838's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Practically, 02838 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.