ZIP 28638 Property Distress & Foreclosure Data

In Caldwell County, North Carolina, ZIP 28638 scores 25 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are institutional ownership (66/100), structural risk (55/100), mortgage stress (25/100). On the quiet end sit mortgage stress (25/100). Environmental exposure also runs high (FEMA disaster exposure (88/100), flood (NFIP) exposure (84/100), climate & FEMA risk (68/100)). On the structural side it scores 55/100, with 8/100 of stress already active.

The peak-phase market in 28638 posted values that rose 1.2% over the year, and 15% higher over three years (phase confidence 50/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Around 40% of renters are cost-burdened. On demographic stress specifically, 28638 scores 30/100. The ZIP holds roughly 5,119 housing units. The vacancy rate is 8.4%. Roughly 17.3% live below the poverty line, elevated and often tied to deferred-maintenance inventory. The tenure split is 75% owner-occupied to 25% rented. About 20% have a four-year degree. A median home runs $207,500 here, or 3.0 times local income. Households earn a median $58,914 — below the roughly $78,000 national figure. Population is roughly 11,629 with a median age of 39.

On balance 28638 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.