ZIP 05478 Foreclosure, Tax-Lien & Distress Report

Franklin County, Vermont's ZIP 05478 registers 20/100 composite distress, which DLRadar reads as low. On the structural side it scores 44/100, with 5/100 of stress already active. Its heaviest discrete signals: construction/permit lag (71/100), structural risk (44/100), institutional ownership (39/100). On the quiet end sit institutional ownership (39/100) and mortgage stress (16/100). It additionally carries heavy environmental risk: FEMA disaster exposure (71/100).

Prices here sit in a peak phase: values rose 0.7% over the trailing year, and 25% higher over three years, at 16/100 phase confidence. Topping markets hide individual distress behind strong averages.

About 16,016 people live here, median age 41. The tenure split is 69% owner-occupied to 31% rented. Vacancy runs 10.5%. Around 30% of adults hold a bachelor's degree or higher. Roughly 12.1% live below the poverty line. Around 57% of renters are cost-burdened. The ZIP holds roughly 7,097 housing units. Households earn a median $70,752 — near the roughly $78,000 national figure. A median home runs $316,400 here, or 4.2 times local income. On demographic stress specifically, 05478 scores 35/100.

On balance 05478 is mixed, rewarding parcel-by-parcel screening over broad assumptions. 05478 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The 05478 read uses the identical public-record model applied coast to coast, which means its 20/100 score means exactly what it means anywhere else, and 05478 stays directly comparable to neighboring ZIPs and the rest of Franklin County, Vermont. Nothing here is interpolated — where a source is thin for 05478, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 20/100 for 05478 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Treat 05478 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.