ZIP 28731 Property Distress & Foreclosure Data

ZIP code 28731 in Henderson County, North Carolina carries a composite property-distress score of 32/100 — a moderate reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (flood (NFIP) exposure (98/100), FEMA disaster exposure (89/100), climate & FEMA risk (72/100)). The latent-versus-live split is 71/100 structural and 8/100 already moving. What sets it apart are the readings on structural risk (71/100), institutional ownership (69/100), construction/permit lag (46/100). On the quiet end sit mortgage stress (27/100).

The peak-phase market in 28731 posted values that held roughly flat over the year, and 17% higher over three years (phase confidence 37/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Households earn a median $65,882 — below the roughly $78,000 national figure. Roughly 16.7% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Around 42% of renters are cost-burdened. About 37% have a four-year degree. The vacancy rate is 13.5% — elevated. A median home runs $402,300 here, or 5.5 times local income. On demographic stress specifically, 28731 scores 36/100. The ZIP holds roughly 4,495 housing units. The tenure split is 82% owner-occupied to 18% rented. Population is roughly 9,075 with a median age of 53.

On the whole, 28731 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.