ZIP 28786 Property Distress & Foreclosure Data

ZIP code 28786 in Haywood County, North Carolina carries a composite property-distress score of 35/100 — a moderate reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (78/100), construction/permit lag (73/100), institutional ownership (69/100). mortgage stress (29/100) stay muted. The latent-versus-live split is 78/100 structural and 9/100 already moving. Climate and flood risk are elevated too — flood (NFIP) exposure (97/100), FEMA disaster exposure (88/100), climate & FEMA risk (75/100).

Prices here sit in a peak phase: values rose 3.2% over the trailing year, and 15% higher over three years (phase confidence 28/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Around 43% of renters are cost-burdened. The poverty rate is 12.8%. At $56,047, median income runs below typical U.S. levels. The demographic-stress sub-score lands at 35/100. The typical home is worth about $297,800 (4.8× income). Around 32% of adults hold a bachelor's degree or higher. The vacancy rate is 18.2% — elevated. 70% of housing is owner-occupied. The ZIP holds roughly 12,112 housing units. 22,153 residents call 28786 home, typically aged 49.

Taken together, 28786 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.