ZIP 28646 Property Distress & Foreclosure Data

ZIP code 28646 in Avery County, North Carolina carries a composite property-distress score of 23/100 — a low reading on DLRadar's deterministic public-record index. Structural risk reads 51/100 against active distress of 10/100. It additionally carries heavy environmental risk: flood (NFIP) exposure (98/100), FEMA disaster exposure (88/100). What sets it apart are the readings on institutional ownership (69/100), structural risk (51/100), mortgage stress (35/100). By contrast, mortgage stress (35/100) register low.

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

About 544 people live here, median age 59. Median household income is $73,868, near the U.S. median near $78,000. Home values center near $371,300, an affordability ratio of 5.3×. Vacancy runs 78.8%, above the national norm and a classic distress-and-opportunity signal. There are about 1,043 housing units across 28646. Educational attainment sits at 30% bachelor's-or-above. Rent burden reaches 0% of tenant households. 0.2% of residents fall below the poverty threshold. Owners hold 82% of homes, renters 18%. DLRadar's demographic-stress index for the area reads 33/100.

Net-net, 28646 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.