ZIP 04092 Property Distress & Foreclosure Data

Cumberland County, Maine's ZIP 04092 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). Environmental exposure also runs high (flood (NFIP) exposure (90/100), climate & FEMA risk (82/100)). On the structural side it scores 61/100, with 6/100 of stress already active.

The expansion-phase market in 04092 posted values that rose 5.2% over the year, and 20% higher over three years (phase confidence 34/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

The vacancy rate is 5.0%. The ZIP holds roughly 9,575 housing units. Median household income is $85,868, near the U.S. median near $78,000. Educational attainment sits at 40% bachelor's-or-above. Around 36% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 30/100. 9.1% of residents fall below the poverty threshold. Home values center near $383,300, an affordability ratio of 4.0× — accessible. Owners hold 64% of homes, renters 36%. Population is roughly 20,484 with a median age of 38.

On balance 04092 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.