ZIP 28904 Property Distress & Foreclosure Data

DLRadar grades ZIP 28904 (Clay County, North Carolina) at a low 25/100 for overall property distress. It additionally carries heavy environmental risk: FEMA disaster exposure (88/100), flood (NFIP) exposure (70/100). The latent-versus-live split is 57/100 structural and 9/100 already moving. Property-level stress concentrates in construction/permit lag (74/100), institutional ownership (63/100), structural risk (57/100). By contrast, mortgage stress (29/100) register low.

The market reads expansion — home values rose 5.5% year on year, and 24% higher over three years (phase confidence 30/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Median household income is $53,785, below the U.S. median near $78,000. The vacancy rate is 30.1% — elevated. Around 50% of renters are cost-burdened. About 10,614 people live here, median age 53. 13.5% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 37/100. Home values center near $284,500, an affordability ratio of 5.0×. Owners hold 79% of homes, renters 21%. Educational attainment sits at 31% bachelor's-or-above. The ZIP holds roughly 6,514 housing units.

Net-net, 28904 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.