ZIP 05495 Property Distress & Foreclosure Data

DLRadar grades ZIP 05495 (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. The latent-versus-live split is 65/100 structural and 7/100 already moving. It additionally carries heavy environmental risk: flood (NFIP) exposure (89/100), FEMA disaster exposure (78/100), climate & FEMA risk (72/100).

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.

At $105,768, median income runs above typical U.S. levels. The ZIP holds roughly 5,091 housing units. Around 57% of renters are cost-burdened. Around 56% of adults hold a bachelor's degree or higher. The poverty rate is 4.5% — low. 76% of housing is owner-occupied. The demographic-stress sub-score lands at 30/100. About 10,984 people live here, median age 45. The vacancy rate is 7.5%. The typical home is worth about $470,300 (4.1× income).

Net-net, 05495 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.