ZIP 28478 Property Distress & Foreclosure Data

Composite property distress in 28478 (Pender County, North Carolina) lands at 34/100 — moderate on DLRadar's public-record scoring. It additionally carries heavy environmental risk: FEMA disaster exposure (88/100), climate & FEMA risk (87/100), flood (NFIP) exposure (78/100). The latent-versus-live split is 76/100 structural and 8/100 already moving. The sharpest non-environmental signals are structural risk (76/100), institutional ownership (65/100), construction/permit lag (64/100). By contrast, mortgage stress (27/100) register low.

The market reads peak — home values rose 3.9% year on year, and 20% higher over three years (phase confidence 31/100). Topping markets hide individual distress behind strong averages.

The ZIP holds roughly 2,327 housing units. Educational attainment sits at 14% bachelor's-or-above. Median household income is $64,830, below the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 27/100. The vacancy rate is 11.8% — elevated. Home values center near $178,900, an affordability ratio of 2.6× — accessible. 15.0% of residents fall below the poverty threshold. Owners hold 88% of homes, renters 12%. Around 31% of renters are cost-burdened. About 4,591 people live here, median age 48.

Net-net, 28478 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.