ZIP 28120 Property Distress & Foreclosure Data

DLRadar grades ZIP 28120 (Gaston County, North Carolina) at a moderate 32/100 for overall property distress. Property-level stress concentrates in structural risk (69/100), institutional ownership (66/100), construction/permit lag (35/100). construction/permit lag (35/100) and mortgage stress (25/100) stay muted. Climate and flood risk are elevated too — FEMA disaster exposure (88/100), flood (NFIP) exposure (86/100), climate & FEMA risk (85/100). On the structural side it scores 69/100, with 7/100 of stress already active.

Prices here sit in a peak phase: values rose 3.2% over the trailing year, and 16% higher over three years (phase confidence 21/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The demographic-stress sub-score lands at 30/100. Around 44% of renters are cost-burdened. Around 33% of adults hold a bachelor's degree or higher. The typical home is worth about $321,500 (3.6× income, relatively affordable). At $74,809, median income runs near typical U.S. levels. 24,363 residents call 28120 home, typically aged 41. The ZIP holds roughly 10,863 housing units. The vacancy rate is 6.1%. The poverty rate is 9.9%. 72% of housing is owner-occupied.

Overall, 28120 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.