ZIP 28754 Property Distress & Foreclosure Data

ZIP code 28754 in Madison County, North Carolina carries a composite property-distress score of 30/100 — a moderate reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: flood (NFIP) exposure (96/100), FEMA disaster exposure (88/100). What sets it apart are the readings on construction/permit lag (92/100), institutional ownership (69/100), structural risk (69/100). By contrast, mortgage stress (29/100) register low. Structural exposure scores 69 and live distress 9 on the 0–100 scale.

The market reads contraction — home values fell 0.6% year on year, and 10% higher over three years, at 45/100 phase confidence. A cooling market tends to open discount-to-value windows.

About 9,897 people live here, median age 40. Home values center near $296,700, an affordability ratio of 4.2×. 12.4% of residents fall below the poverty threshold. Rent burden reaches 29% of tenant households. Owners hold 76% of homes, renters 24%. Vacancy runs 23.6%, above the national norm and a classic distress-and-opportunity signal. Educational attainment sits at 32% bachelor's-or-above. There are about 4,562 housing units across 28754. DLRadar's demographic-stress index for the area reads 32/100. Median household income is $68,750, near the U.S. median near $78,000.

Net-net, 28754 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.