ZIP 05408 Property Distress & Foreclosure Data

In Chittenden County, Vermont, ZIP 05408 scores 29 of 100 for composite distress, a low level on DLRadar's public-record index. It additionally carries heavy environmental risk: flood (NFIP) exposure (89/100), FEMA disaster exposure (78/100), climate & FEMA risk (72/100). The latent-versus-live split is 65/100 structural and 7/100 already moving. Its standout signals are structural risk (65/100), institutional ownership (62/100), construction/permit lag (38/100). By contrast, construction/permit lag (38/100) and mortgage stress (23/100) register low.

The market reads peak — home values rose 2.3% year on year, 1.6% off the recent peak, and 18% higher over three years (phase confidence 51/100). Topping markets hide individual distress behind strong averages.

The vacancy rate is 2.5%. Around 55% of adults hold a bachelor's degree or higher. The poverty rate is 8.0%. Around 30% of renters are cost-burdened. The typical home is worth about $400,600 (3.7× income, relatively affordable). The demographic-stress sub-score lands at 25/100. At $98,656, median income runs above typical U.S. levels. The ZIP holds roughly 4,400 housing units. 74% of housing is owner-occupied. About 10,199 people live here, median age 45.

Net-net, 05408 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.