ZIP 50109 Foreclosure, Tax-Lien & Distress Report

ZIP 50109's composite property-distress score is 31/100 - DLRadar classes that as moderate for Polk County, Iowa. Property-level stress concentrates in structural risk (69/100), construction/permit lag (63/100), institutional ownership (48/100). On the quiet end sit mortgage stress (18/100). The split runs 69/100 structural to 5/100 active on the ground. It additionally carries heavy environmental risk: flood (NFIP) exposure (88/100), climate & FEMA risk (83/100).

The market reads peak — home values rose 2.1% year on year, and 15% higher over three years, at 15/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Median household income is $130,263, above the U.S. median near $78,000. The ZIP holds roughly 1,432 housing units. Home values center near $370,100, an affordability ratio of 2.6× — accessible. Around 13% of renters are cost-burdened. About 49% have a four-year degree. 3,371 residents call 50109 home, typically aged 38. Vacancy runs 11.6%, above the national norm and a classic distress-and-opportunity signal. On demographic stress specifically, 50109 scores 19/100. 3.5% of residents fall below the poverty threshold. Owners hold 87% of homes, renters 13%.

On balance 50109 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Parcel-level detail for 50109 is not published yet -- the ZIP-level readings above remain fully sourced.

Because one deterministic model scores every ZIP, 50109's 31/100 can be lined up against any neighbor in Polk County, Iowa or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 50109 reflects the current record instead of a stale or modeled snapshot.

The 31/100 for 50109 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. The point of the 50109 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.