ZIP 28746 Property Distress & Foreclosure Data

In Rutherford County, North Carolina, ZIP 28746 scores 27 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are institutional ownership (68/100), structural risk (60/100), mortgage stress (28/100). On the quiet end sit mortgage stress (28/100) and construction/permit lag (11/100). The latent-versus-live split is 60/100 structural and 8/100 already moving. Environmental exposure also runs high (flood (NFIP) exposure (96/100), FEMA disaster exposure (88/100), climate & FEMA risk (69/100)).

The peak-phase market in 28746 posted values that rose 3.2% over the year, and 12% higher over three years (phase confidence 28/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Households earn a median $65,703 — below the roughly $78,000 national figure. The tenure split is 87% owner-occupied to 13% rented. On demographic stress specifically, 28746 scores 43/100. The vacancy rate is 58.7% — elevated. Roughly 14.3% live below the poverty line. The ZIP holds roughly 3,338 housing units. Around 51% of renters are cost-burdened. Population is roughly 2,734 with a median age of 61. About 46% have a four-year degree. A median home runs $470,700 here, or 6.6 times local income.

On the whole, 28746 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.