ZIP 28778 Foreclosure, Tax-Lien & Distress Report

ZIP code 28778 in Buncombe County, North Carolina carries a composite property-distress score of 29/100 — a low reading on DLRadar's deterministic distress index. The latent-versus-live split is 62/100 structural and 9/100 already moving. Climate and flood risk are elevated too — flood (NFIP) exposure (100/100), climate & FEMA risk (89/100), FEMA disaster exposure (77/100). Leading the profile are institutional ownership (63/100), structural risk (62/100), mortgage stress (29/100). On the quiet end sit mortgage stress (29/100).

The market reads peak — home values rose 0.8% year on year, and 15% higher over three years, at 18/100 phase confidence. Topping markets hide individual distress behind strong averages.

A median home runs $303,300 here, or 3.8 times local income. Owners hold 80% of homes, renters 20%. 11,933 residents call 28778 home, typically aged 42. There are about 4,919 housing units across 28778. The demographic-stress sub-score lands at 30/100. Educational attainment sits at 32% bachelor's-or-above. Vacancy runs 23.1%, above the national norm and a classic distress-and-opportunity signal. Roughly 11.2% live below the poverty line. Rent burden reaches 27% of tenant households. Households earn a median $72,717 — near the roughly $78,000 national figure.

Taken together, 28778 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 28778 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Big metro or rural, 28778 runs through one identical scoring model, so its 29/100 sits on the same scale as every other ZIP in Buncombe County, North Carolina and the nation. Every figure is auditable to a public dataset and refreshed as records update; 28778 shows blanks, not estimates, wherever the record is sparse.

28778's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For a buyer, 28778 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.