ZIP 04038 Property Distress & Foreclosure Data

Cumberland County, Maine's ZIP 04038 registers 27/100 composite distress, which DLRadar reads as low. The most distinctive pressure shows up in structural risk (61/100), institutional ownership (47/100), construction/permit lag (34/100). On the quiet end sit construction/permit lag (34/100) and mortgage stress (19/100). On the structural side it scores 61/100, with 6/100 of stress already active. Environmental exposure also runs high (flood (NFIP) exposure (90/100), climate & FEMA risk (82/100)).

The expansion-phase market in 04038 posted values that rose 5.2% over the year, and 22% higher over three years (phase confidence 34/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Median household income is $110,181, above the U.S. median near $78,000. Population is roughly 18,192 with a median age of 39. 3.4% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 25/100. Around 32% of renters are cost-burdened. The ZIP holds roughly 6,834 housing units. Owners hold 83% of homes, renters 17%. The vacancy rate is 3.4%. Educational attainment sits at 46% bachelor's-or-above. Home values center near $460,900, an affordability ratio of 3.9× — accessible.

On balance 04038 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.