ZIP 50438 Foreclosure, Tax-Lien & Distress Report

In Hancock County, Iowa, ZIP 50438 scores 18 of 100 for composite distress, a low level on DLRadar's public-record index. The pressure is most legible in construction/permit lag (79/100), structural risk (40/100), institutional ownership (28/100). institutional ownership (28/100) and mortgage stress (12/100) stay muted. Structural exposure scores 40 and live distress 3 on the 0–100 scale.

The peak-phase market in 50438 posted values that rose 2.5% over the year, and 4% higher over three years (phase confidence 28/100). Topping markets hide individual distress behind strong averages.

The tenure split is 77% owner-occupied to 23% rented. The vacancy rate is 3.1%. Population is roughly 4,006 with a median age of 49. The poverty rate is 13.2%. The ZIP holds roughly 1,885 housing units. Around 45% of renters are cost-burdened. The demographic-stress sub-score lands at 27/100. Educational attainment sits at 23% bachelor's-or-above. A median home runs $197,600 here, or 2.5 times local income. Median household income is $69,637, near the U.S. median near $78,000.

Net-net, 50438 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. While 50438 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 50438 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 18/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 50438 reflects the current record instead of a stale or modeled snapshot.

The 18/100 figure for 50438 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. Treat 50438 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.