ZIP 05477 Property Distress & Foreclosure Data

DLRadar grades ZIP 05477 (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). By contrast, construction/permit lag (38/100) and mortgage stress (23/100) register low. 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.

The market reads peak — home values rose 2.3% year on year, 1.6% off the recent peak, and 17% higher over three years (phase confidence 51/100). Topping markets hide individual distress behind strong averages.

Around 64% of adults hold a bachelor's degree or higher. The poverty rate is 3.9% — low. The typical home is worth about $424,400 (3.4× income, relatively affordable). Around 21% of renters are cost-burdened. The vacancy rate is 9.1%. The demographic-stress sub-score lands at 21/100. At $118,214, median income runs above typical U.S. levels. The ZIP holds roughly 2,226 housing units. 78% of housing is owner-occupied. About 4,374 people live here, median age 44.

Net-net, 05477 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.