ZIP 28684 Property Distress & Foreclosure Data

DLRadar grades ZIP 28684 (Ashe County, North Carolina) at a low 27/100 for overall property distress. Climate and flood risk are elevated too — flood (NFIP) exposure (97/100), FEMA disaster exposure (88/100), climate & FEMA risk (65/100). Property-level stress concentrates in institutional ownership (69/100), structural risk (59/100), mortgage stress (31/100). mortgage stress (31/100) and construction/permit lag (10/100) stay muted. Structural exposure scores 59 and live distress 9 on the 0–100 scale.

Prices here sit in a peak phase: values rose 4.5% over the trailing year, and 31% higher over three years, at 28/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

There are about 1,418 housing units across 28684. The typical home is worth about $325,300 (4.5× income). 90% of housing is owner-occupied. Vacancy runs 42.6%, above the national norm and a classic distress-and-opportunity signal. The poverty rate is 2.2% — low. Around 54% of adults hold a bachelor's degree or higher. At $66,123, median income runs below typical U.S. levels. Rent burden reaches 77% of tenant households. 1,835 residents call 28684 home, typically aged 53. The demographic-stress sub-score lands at 35/100.

Taken together, 28684 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.