ZIP 28097 Property Distress & Foreclosure Data

ZIP code 28097 in Stanly County, North Carolina carries a composite property-distress score of 31/100 — a moderate reading on DLRadar's deterministic public-record index. Structural exposure scores 69 and live distress 8 on the 0–100 scale. What sets it apart are the readings on institutional ownership (69/100), structural risk (69/100), construction/permit lag (60/100). By contrast, mortgage stress (27/100) register low. It additionally carries heavy environmental risk: FEMA disaster exposure (94/100), flood (NFIP) exposure (83/100), climate & FEMA risk (62/100).

The market reads peak — home values rose 3.2% year on year, and 14% higher over three years, at 28/100 phase confidence. Topping markets hide individual distress behind strong averages.

Owners hold 82% of homes, renters 18%. 10.1% of residents fall below the poverty threshold. Vacancy runs 7.7%. Rent burden reaches 50% of tenant households. About 7,976 people live here, median age 37. There are about 3,164 housing units across 28097. Home values center near $314,400, an affordability ratio of 3.6× — accessible. Median household income is $77,600, near the U.S. median near $78,000. Educational attainment sits at 20% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 32/100.

Net-net, 28097 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.