ZIP 28040 Foreclosure, Tax-Lien & Distress Report

Rutherford County, North Carolina's ZIP 28040 registers 31/100 composite distress, which DLRadar reads as moderate. The latent-versus-live split is 71/100 structural and 8/100 already moving. The pressure is most legible in structural risk (71/100), institutional ownership (67/100), construction/permit lag (54/100). mortgage stress (27/100) stay muted. It additionally carries heavy environmental risk: flood (NFIP) exposure (96/100), FEMA disaster exposure (84/100), climate & FEMA risk (69/100).

Prices here sit in a peak phase: values rose 1.9% over the trailing year, and 22% higher over three years (phase confidence 18/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Population is roughly 7,047 with a median age of 45. Households earn a median $57,989 — below the roughly $78,000 national figure. Vacancy runs 14.0%, above the national norm and a classic distress-and-opportunity signal. Owners hold 85% of homes, renters 15%. Rent burden reaches 23% of tenant households. The poverty rate is 11.7%. A median home runs $169,500 here, or 2.5 times local income. The ZIP holds roughly 3,326 housing units. About 18% have a four-year degree. DLRadar's demographic-stress index for the area reads 25/100.

On the whole, 28040 leans distressed, with opportunity clustered in specific stressed parcels. While 28040 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Big metro or rural, 28040 runs through one identical public-record model, so its 31/100 sits on the same scale as every other ZIP in Rutherford County, North Carolina and the nation. Every figure is auditable to a public dataset and refreshed on ingest; 28040 shows blanks, not estimates, wherever the record is sparse.

The 31/100 figure for 28040 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For an operator, 28040 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.