ZIP 02861 Property Distress & Foreclosure Data

In Providence County, Rhode Island, ZIP 02861 scores 28 of 100 for composite distress, a low level on DLRadar's public-record index. It additionally carries heavy environmental risk: flood (NFIP) exposure (95/100), climate & FEMA risk (93/100), FEMA disaster exposure (64/100). On the structural side it scores 60/100, with 6/100 of stress already active. Its standout signals are structural risk (60/100), institutional ownership (55/100), mortgage stress (21/100). By contrast, mortgage stress (21/100) and construction/permit lag (2/100) register low.

The market reads expansion — home values rose 5.2% year on year, and 23% higher over three years (phase confidence 40/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The poverty rate is 9.1%. The demographic-stress sub-score lands at 30/100. At $83,044, median income runs near typical U.S. levels. Around 33% of renters are cost-burdened. The typical home is worth about $315,400 (3.4× income, relatively affordable). 65% of housing is owner-occupied. Around 20% of adults hold a bachelor's degree or higher. The vacancy rate is 5.6%. About 27,928 people live here, median age 39. The ZIP holds roughly 11,690 housing units.

Net-net, 02861 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.