ZIP 28781 Property Distress & Foreclosure Data

ZIP code 28781 in Macon County, North Carolina carries a composite property-distress score of 29/100 — a low reading on DLRadar's deterministic public-record index. Structural risk reads 63/100 against active distress of 9/100. It additionally carries heavy environmental risk: FEMA disaster exposure (88/100), flood (NFIP) exposure (86/100), climate & FEMA risk (70/100). What sets it apart are the readings on institutional ownership (66/100), structural risk (63/100), mortgage stress (30/100). By contrast, mortgage stress (30/100) and construction/permit lag (28/100) register low.

The market reads expansion — home values rose 5.5% year on year, and 38% higher over three years, at 30/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

There are about 906 housing units across 28781. Vacancy runs 40.9%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 0% of tenant households. DLRadar's demographic-stress index for the area reads 29/100. About 1,058 people live here, median age 59. Median household income is $50,577, below the U.S. median near $78,000. Home values center near $276,800, an affordability ratio of 5.2×. 3.0% of residents fall below the poverty threshold. Owners hold 80% of homes, renters 20%. Educational attainment sits at 28% bachelor's-or-above.

Net-net, 28781 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.