ZIP 05461 Property Distress & Foreclosure Data

ZIP code 05461 in Chittenden County, Vermont carries a composite property-distress score of 28/100 — a low reading on DLRadar's deterministic public-record index. Structural risk reads 63/100 against active distress of 7/100. Climate and flood risk are elevated too — flood (NFIP) exposure (85/100), FEMA disaster exposure (77/100), climate & FEMA risk (69/100). What sets it apart are the readings on structural risk (63/100), institutional ownership (61/100), construction/permit lag (38/100). construction/permit lag (38/100) and mortgage stress (22/100) stay muted.

Prices here sit in a peak phase: values rose 2.5% over the trailing year, 1.5% off the recent peak, and 26% higher over three years, at 50/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The tenure split is 85% owner-occupied to 15% rented. A median home runs $460,200 here, or 4.0 times local income. Households earn a median $112,589 — above the roughly $78,000 national figure. About 60% have a four-year degree. 4,815 residents call 05461 home, typically aged 49. Rent burden reaches 63% of tenant households. Vacancy runs 2.9%. There are about 2,314 housing units across 05461. On demographic stress specifically, 05461 scores 29/100. Roughly 7.5% live below the poverty line.

Overall, 05461 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.