ZIP 28304 Property Distress & Foreclosure Data

In Cumberland County, North Carolina, ZIP 28304 scores 30 of 100 for composite distress, a moderate level on DLRadar's public-record index. Its standout signals are institutional ownership (65/100), structural risk (64/100), mortgage stress (25/100). By contrast, mortgage stress (25/100) and construction/permit lag (15/100) register low. On the structural side it scores 64/100, with 7/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (89/100), FEMA disaster exposure (88/100), flood (NFIP) exposure (81/100).

The market reads peak — home values rose 2.7% year on year, and 22% higher over three years (phase confidence 32/100). Topping markets hide individual distress behind strong averages.

Median household income is $57,867, below the U.S. median near $78,000. Educational attainment sits at 25% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 32/100. Around 43% of renters are cost-burdened. Home values center near $172,000, an affordability ratio of 2.7× — accessible. Owners hold 54% of homes, renters 46%. The ZIP holds roughly 16,746 housing units. The vacancy rate is 10.3%. 16.8% of residents fall below the poverty threshold. About 36,634 people live here, median age 35.

Net-net, 28304 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.