ZIP 28739 Property Distress & Foreclosure Data

Composite property distress in 28739 (Henderson County, North Carolina) lands at 33/100 — moderate on DLRadar's public-record scoring. The sharpest non-environmental signals are structural risk (73/100), institutional ownership (69/100), construction/permit lag (47/100). By contrast, mortgage stress (27/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (99/100), FEMA disaster exposure (89/100), climate & FEMA risk (81/100). The latent-versus-live split is 73/100 structural and 8/100 already moving.

The market reads contraction — home values fell 0.7% year on year, and 15% higher over three years (phase confidence 46/100). A cooling market tends to open discount-to-value windows.

The ZIP holds roughly 11,334 housing units. 13.5% of residents fall below the poverty threshold. Median household income is $70,464, near the U.S. median near $78,000. About 20,656 people live here, median age 54. Around 35% of renters are cost-burdened. Educational attainment sits at 44% bachelor's-or-above. The vacancy rate is 16.1% — elevated. Owners hold 79% of homes, renters 21%. DLRadar's demographic-stress index for the area reads 33/100. Home values center near $394,900, an affordability ratio of 5.1×.

Net-net, 28739 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.