ZIP 28640 Property Distress & Foreclosure Data

Ashe County, North Carolina's ZIP 28640 registers 31/100 composite distress, which DLRadar reads as moderate. Structural exposure scores 69 and live distress 9 on the 0–100 scale. It additionally carries heavy environmental risk: flood (NFIP) exposure (96/100), FEMA disaster exposure (88/100), climate & FEMA risk (62/100). The most distinctive pressure shows up in structural risk (69/100), institutional ownership (68/100), construction/permit lag (53/100). By contrast, mortgage stress (30/100) register low.

The market reads expansion — home values rose 5.5% year on year, and 27% higher over three years, at 30/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

About 4,818 people live here, median age 53. 16.5% of residents fall below the poverty threshold. There are about 2,875 housing units across 28640. Median household income is $50,946, below the U.S. median near $78,000. Vacancy runs 26.6%, above the national norm and a classic distress-and-opportunity signal. DLRadar's demographic-stress index for the area reads 36/100. Owners hold 69% of homes, renters 31%. Rent burden reaches 23% of tenant households. Home values center near $282,900, an affordability ratio of 5.0×. Educational attainment sits at 18% bachelor's-or-above.

Net-net, 28640 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.