ZIP 26812 Foreclosure, Tax-Lien & Distress Report
Hardy County, West Virginia · High Vacancy market
Scored purely from public records, 26812 (Hardy County, West Virginia) returns a low composite of 16/100. On the structural side it scores 38/100, with 2/100 of stress already active. Property-level stress concentrates in construction/permit lag (100/100), structural risk (38/100), mortgage stress (7/100). mortgage stress (7/100) and institutional ownership (3/100) stay muted.
The expansion-phase market in 26812 posted values that rose 8.0% over the year, at 57/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.
Median household income is $53,594, below the U.S. median near $78,000. The poverty rate is 28.0% — high, a tax-stress and distress correlate. Rent burden reaches 81% of tenant households. 87% of housing is owner-occupied. Around 15% of adults hold a bachelor's degree or higher. The ZIP holds roughly 1,256 housing units. DLRadar's demographic-stress index for the area reads 40/100. Home values center near $144,200, an affordability ratio of 2.6× — accessible. The vacancy rate is 42.9% — elevated. Population is roughly 1,644 with a median age of 49.
Net-net, 26812 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 26812 is not published yet -- the ZIP-level readings above remain fully sourced to public records.
The 26812 read uses the identical public-record model applied coast to coast, which means its 16/100 score means exactly what it means anywhere else, and 26812 stays directly comparable to neighboring ZIPs and the rest of Hardy County, West Virginia. Where the public record is thin for 26812, the field stays empty rather than modeled, and fills in as new documents post.
Each component behind 26812 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 16/100 roll-up. For an operator, 26812 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Signal-by-signal read on 26812
Tax-delinquent parcels, institutional ownership, insurance strain, flood risk, construction lag, price dislocation and auction speed — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
Snapshot: 26812 by the numbers
Current distress, phase, housing and lender-pressure figures for 26812, drawn from the same report attached to each property.
Hardy County ZIPs near 26812
Explore related distress reports
Other reports tied to Hardy County, West Virginia — ZIP, county and statewide.
Open the complete 26812 acquisition file
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Deterministic scoring, sourced entirely from public data · methodology