ZIP 28643 Property Distress & Foreclosure Data

DLRadar grades ZIP 28643 (Ashe County, North Carolina) at a moderate 31/100 for overall property distress. Property-level stress concentrates in structural risk (69/100), institutional ownership (68/100), construction/permit lag (53/100). By contrast, mortgage stress (30/100) register low. The latent-versus-live split is 69/100 structural and 9/100 already moving. It additionally carries heavy environmental risk: flood (NFIP) exposure (96/100), FEMA disaster exposure (88/100), climate & FEMA risk (62/100).

The market reads expansion — home values rose 5.5% year on year, and 12% higher over three years (phase confidence 30/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Home values center near $149,500, an affordability ratio of 2.8× — accessible. DLRadar's demographic-stress index for the area reads 31/100. Around 45% of renters are cost-burdened. About 4,241 people live here, median age 43. The ZIP holds roughly 2,087 housing units. Educational attainment sits at 11% bachelor's-or-above. 10.1% of residents fall below the poverty threshold. Owners hold 81% of homes, renters 19%. Median household income is $48,464, below the U.S. median near $78,000. The vacancy rate is 28.7% — elevated.

Net-net, 28643 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.