ZIP 50108 Foreclosure, Tax-Lien & Distress Report

ZIP code 50108 in Decatur County, Iowa carries a composite property-distress score of 8/100 — a minimal reading on DLRadar's deterministic distress index. Its heaviest discrete signals: construction/permit lag (44/100), structural risk (19/100), mortgage stress (4/100). By contrast, mortgage stress (4/100) and institutional ownership (3/100) register low. Structural risk reads 19/100 against active distress of 1/100.

The market reads peak — home values rose 2.5% year on year, at 28/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

432 residents call 50108 home, typically aged 49. Vacancy runs 21.8%, above the national norm and a classic distress-and-opportunity signal. 70% of housing is owner-occupied. The ZIP holds roughly 247 housing units. Median household income is $33,594, below the U.S. median near $78,000. Roughly 24.5% live below the poverty line, elevated and often tied to deferred-maintenance inventory. A median home runs $46,300 here, or 1.4 times local income. Around 14% of adults hold a bachelor's degree or higher. Around 33% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 28/100.

Taken together, 50108 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. There is no property file for 50108 at the moment; the composite and its components are still built from verifiable records.

No ZIP is too small to score: 50108 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 8/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 50108 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 8/100 figure for 50108 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For a buyer, 50108 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.