ZIP 28146 Foreclosure, Tax-Lien & Distress Report

Rowan County, North Carolina's ZIP 28146 registers 22/100 composite distress, which DLRadar reads as low. Its standout signals are institutional ownership (50/100), structural risk (44/100), mortgage stress (20/100). By contrast, mortgage stress (20/100) register low. It additionally carries heavy environmental risk: FEMA disaster exposure (93/100), climate & FEMA risk (83/100). On the structural side it scores 44/100, with 6/100 of stress already active.

The market reads peak — home values rose 1.0% year on year, and 13% higher over three years, at 16/100 phase confidence. Topping markets hide individual distress behind strong averages.

At $67,053, median income runs below typical U.S. levels. Rent burden reaches 24% of tenant households. There are about 13,871 housing units across 28146. The demographic-stress sub-score lands at 27/100. About 24% have a four-year degree. 31,757 residents call 28146 home, typically aged 42. The vacancy rate is 10.5%. Home values center near $247,700, an affordability ratio of 3.4× — accessible. Roughly 10.8% live below the poverty line. The tenure split is 82% owner-occupied to 18% rented.

Overall, 28146 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. While 28146 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 28146 read uses the identical public-record model applied coast to coast, which means its 22/100 score means exactly what it means anywhere else, and 28146 stays directly comparable to neighboring ZIPs and the rest of Rowan County, North Carolina. Where the public record is thin for 28146, the field stays empty rather than modeled, and fills in as new documents post.

28146's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 28146 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.