ZIP 28745 Property Distress & Foreclosure Data

ZIP code 28745 in Haywood County, North Carolina carries a composite property-distress score of 35/100 — a moderate reading on DLRadar's deterministic public-record index. Structural risk reads 78/100 against active distress of 9/100. It additionally carries heavy environmental risk: flood (NFIP) exposure (97/100), FEMA disaster exposure (88/100), climate & FEMA risk (75/100). What sets it apart are the readings on structural risk (78/100), construction/permit lag (73/100), institutional ownership (69/100). By contrast, mortgage stress (29/100) register low.

The market reads peak — home values rose 3.2% year on year, and 15% lower over three years, at 28/100 phase confidence. Topping markets hide individual distress behind strong averages.

There are about 640 housing units across 28745. Home values center near $356,600, an affordability ratio of 3.2× — accessible. Vacancy runs 67.7%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 0% of tenant households. Median household income is $115,081, above the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 21/100. Owners hold 92% of homes, renters 8%. 1.4% of residents fall below the poverty threshold. About 555 people live here, median age 58. Educational attainment sits at 72% bachelor's-or-above.

Net-net, 28745 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.