ZIP 28713 Property Distress & Foreclosure Data

ZIP code 28713 in Swain County, North Carolina carries a composite property-distress score of 27/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on institutional ownership (71/100), structural risk (59/100), construction/permit lag (42/100). On the quiet end sit mortgage stress (31/100). Environmental exposure also runs high (FEMA disaster exposure (95/100), flood (NFIP) exposure (84/100)). The latent-versus-live split is 59/100 structural and 9/100 already moving.

The expansion-phase market in 28713 posted values that rose 5.5% over the year, and 5% higher over three years (phase confidence 30/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Households earn a median $56,368 — below the roughly $78,000 national figure. The ZIP holds roughly 5,884 housing units. The tenure split is 74% owner-occupied to 26% rented. Around 34% of renters are cost-burdened. The vacancy rate is 36.9% — elevated. About 25% have a four-year degree. Roughly 16.4% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Population is roughly 8,441 with a median age of 47. On demographic stress specifically, 28713 scores 35/100. A median home runs $221,900 here, or 4.1 times local income.

On the whole, 28713 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.