ZIP 05403 Property Distress & Foreclosure Data

In Chittenden County, Vermont, ZIP 05403 scores 29 of 100 for composite distress, a low level on DLRadar's public-record index. Environmental exposure also runs high (flood (NFIP) exposure (89/100), FEMA disaster exposure (78/100), climate & FEMA risk (72/100)). Its standout signals are structural risk (65/100), institutional ownership (62/100), construction/permit lag (38/100). On the quiet end sit construction/permit lag (38/100) and mortgage stress (23/100). Structural risk reads 65/100 against active distress of 7/100.

The peak-phase market in 05403 posted values that rose 2.3% over the year, 1.6% off the recent peak, and 29% higher over three years, at 51/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Home values center near $442,400, an affordability ratio of 4.1×. Vacancy runs 2.9%. Owners hold 60% of homes, renters 40%. DLRadar's demographic-stress index for the area reads 28/100. There are about 9,625 housing units across 05403. Rent burden reaches 41% of tenant households. Median household income is $97,041, above the U.S. median near $78,000. 8.0% of residents fall below the poverty threshold. Population is roughly 20,385 with a median age of 39. Educational attainment sits at 65% bachelor's-or-above.

On balance 05403 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.