ZIP 39861 Foreclosure, Tax-Lien & Distress Report

ZIP 39861's composite property-distress score is 19/100 - DLRadar classes that as low for Early County, Georgia. The sharpest non-environmental signals are institutional ownership (48/100), structural risk (42/100), construction/permit lag (27/100). By contrast, construction/permit lag (27/100) and mortgage stress (22/100) register low. It additionally carries heavy environmental risk: FEMA disaster exposure (65/100). On the structural side it scores 42/100, with 6/100 of stress already active.

The market reads peak — home values rose 2.5% year on year, at 32/100 phase confidence. Topping markets hide individual distress behind strong averages.

The poverty rate is 14.8%. The vacancy rate is 20.9% — elevated. At $41,250, median income runs below typical U.S. levels. Educational attainment sits at 18% bachelor's-or-above. About 927 people live here, median age 39. The tenure split is 79% owner-occupied to 21% rented. Around 37% of renters are cost-burdened. A median home runs $123,800 here, or 3.9 times local income. On demographic stress specifically, 39861 scores 33/100. There are about 509 housing units across 39861.

On the whole, 39861 leans distressed, with opportunity clustered in specific stressed parcels. While 39861 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 39861 runs hot or quiet, its 19/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 39861 can be compared directly against any other ZIP in Early County, Georgia or nationwide. 39861 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Each component behind 39861 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 19/100 roll-up. The point of the 39861 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.