ZIP 28645 Property Distress & Foreclosure Data

Caldwell County, North Carolina's ZIP 28645 registers 25/100 composite distress, which DLRadar reads as low. The most distinctive pressure shows up in institutional ownership (66/100), structural risk (55/100), mortgage stress (26/100). mortgage stress (26/100) stay muted. On the structural side it scores 55/100, with 8/100 of stress already active. Climate and flood risk are elevated too — FEMA disaster exposure (88/100), flood (NFIP) exposure (84/100), climate & FEMA risk (68/100).

Prices here sit in a peak phase: values rose 1.3% over the trailing year, and 22% higher over three years (phase confidence 49/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Around 17% of adults hold a bachelor's degree or higher. Around 26% of renters are cost-burdened. The poverty rate is 12.5%. The typical home is worth about $175,500 (3.1× income, relatively affordable). At $50,529, median income runs below typical U.S. levels. The demographic-stress sub-score lands at 29/100. 72% of housing is owner-occupied. The ZIP holds roughly 21,674 housing units. The vacancy rate is 11.4% — elevated. 46,237 residents call 28645 home, typically aged 47.

Overall, 28645 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.