ZIP 05445 Property Distress & Foreclosure Data

DLRadar grades ZIP 05445 (Chittenden County, Vermont) at a low 29/100 for overall property distress. Structural exposure scores 65 and live distress 7 on the 0–100 scale. Property-level stress concentrates in 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). Environmental exposure also runs high (flood (NFIP) exposure (89/100), FEMA disaster exposure (78/100), climate & FEMA risk (72/100)).

The peak-phase market in 05445 posted values that rose 2.3% over the year, 1.6% off the recent peak, and 36% higher over three years, at 51/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

There are about 2,098 housing units across 05445. Home values center near $695,300, an affordability ratio of 4.8×. Owners hold 94% of homes, renters 6%. Educational attainment sits at 62% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 28/100. 3.2% of residents fall below the poverty threshold. Population is roughly 3,905 with a median age of 50. Median household income is $136,385, above the U.S. median near $78,000. Vacancy runs 16.4%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 43% of tenant households.

On the whole, 05445 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.