ZIP 28040 Property Distress & Foreclosure Data

Composite property distress in 28040 (Rutherford County, North Carolina) lands at 28/100 — low on DLRadar's public-record scoring. Structural risk reads 61/100 against active distress of 8/100. The sharpest non-environmental signals are institutional ownership (68/100), structural risk (61/100), mortgage stress (27/100). By contrast, mortgage stress (27/100) and construction/permit lag (14/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (96/100), FEMA disaster exposure (88/100), climate & FEMA risk (69/100).

The market reads peak — home values rose 3.2% year on year, and 22% higher over three years, at 28/100 phase confidence. Topping markets hide individual distress behind strong averages.

About 7,047 people live here, median age 45. Median household income is $57,989, below the U.S. median near $78,000. 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. 11.7% of residents fall below the poverty threshold. Home values center near $169,500, an affordability ratio of 2.5× — accessible. There are about 3,326 housing units across 28040. Educational attainment sits at 18% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 25/100.

Net-net, 28040 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.