ZIP 02860 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 02860 (Providence County, Rhode Island) at a low 28/100 for overall property distress. It additionally carries heavy environmental risk: flood (NFIP) exposure (95/100), climate & FEMA risk (93/100), FEMA disaster exposure (65/100). Property-level stress concentrates in structural risk (60/100), institutional ownership (56/100), mortgage stress (21/100). On the quiet end sit mortgage stress (21/100). Structural exposure scores 60 and live distress 6 on the 0–100 scale.

Prices here sit in a peak phase: values rose 4.4% over the trailing year, and 30% higher over three years (phase confidence 31/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The vacancy rate is 7.8%. On demographic stress specifically, 02860 scores 38/100. Population is roughly 47,372 with a median age of 36. About 26% have a four-year degree. 40% of housing is owner-occupied. Rent burden reaches 36% of tenant households. The ZIP holds roughly 21,185 housing units. At $59,954, median income runs below typical U.S. levels. A median home runs $336,100 here, or 4.8 times local income. Roughly 16.3% live below the poverty line, elevated and often tied to deferred-maintenance inventory.

Overall, 02860 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. While 02860 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Big metro or rural, 02860 runs through one identical public-record model, so its 28/100 sits on the same scale as every other ZIP in Providence County, Rhode Island and the nation. Where the public record is thin for 02860, the field stays empty rather than modeled, and fills in as new documents post.

The 28/100 for 02860 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. In workflow terms, 02860 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.