ZIP 05404 Property Distress & Foreclosure Data

DLRadar grades ZIP 05404 (Chittenden County, Vermont) at a low 29/100 for overall property distress. Property-level stress concentrates in structural risk (65/100), institutional ownership (62/100), construction/permit lag (38/100). construction/permit lag (38/100) and mortgage stress (23/100) stay muted. The latent-versus-live split is 65/100 structural and 7/100 already moving. Climate and flood risk are elevated too — flood (NFIP) exposure (89/100), FEMA disaster exposure (78/100), climate & FEMA risk (72/100).

Prices here sit in a peak phase: values rose 2.3% over the trailing year, 1.6% off the recent peak, and 21% higher over three years (phase confidence 51/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The tenure split is 38% owner-occupied to 62% rented. Roughly 14.3% live below the poverty line. Households earn a median $77,020 — near the roughly $78,000 national figure. The ZIP holds roughly 4,236 housing units. On demographic stress specifically, 05404 scores 33/100. A median home runs $381,500 here, or 4.5 times local income. Around 38% of renters are cost-burdened. 8,198 residents call 05404 home, typically aged 33. About 56% have a four-year degree. The vacancy rate is 2.8%.

Overall, 05404 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.