ZIP 28740 Property Distress & Foreclosure Data

ZIP code 28740 in Yancey County, North Carolina carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on institutional ownership (76/100), structural risk (59/100), construction/permit lag (47/100). On the quiet end sit mortgage stress (32/100). Environmental exposure also runs high (flood (NFIP) exposure (95/100), FEMA disaster exposure (88/100)). On the structural side it scores 59/100, with 10/100 of stress already active.

The expansion-phase market in 28740 posted values that rose 5.5% over the year (phase confidence 30/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

The vacancy rate is 28.1% — elevated. The ZIP holds roughly 1,457 housing units. Households earn a median $41,912 — below the roughly $78,000 national figure. About 17% have a four-year degree. Roughly 18.1% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Population is roughly 1,872 with a median age of 62. On demographic stress specifically, 28740 scores 43/100. A median home runs $213,000 here, or 4.8 times local income. Around 74% of renters are cost-burdened. The tenure split is 74% owner-occupied to 26% rented.

On the whole, 28740 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.