ZIP 50651 Foreclosure, Tax-Lien & Distress Report

ZIP code 50651 in Black Hawk County, Iowa carries a composite property-distress score of 17/100 — a low reading on DLRadar's deterministic distress index. The pressure is most legible in construction/permit lag (50/100), structural risk (36/100), institutional ownership (6/100). institutional ownership (6/100) and mortgage stress (4/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (68/100). Structurally it carries 36/100, against 1/100 of stress already in motion.

The market reads peak — home values rose 2.7% year on year, and 13% higher over three years (phase confidence 18/100). Topping markets hide individual distress behind strong averages.

Median household income is $79,647, near the U.S. median near $78,000. A median home runs $187,600 here, or 2.2 times local income. Roughly 8.7% live below the poverty line. The ZIP holds roughly 1,644 housing units. The demographic-stress sub-score lands at 22/100. About 19% have a four-year degree. Rent burden reaches 11% of tenant households. Owners hold 80% of homes, renters 20%. Vacancy runs 17.4%, above the national norm and a classic distress-and-opportunity signal. 3,349 residents call 50651 home, typically aged 38.

On the whole, 50651 leans distressed, with opportunity clustered in specific stressed parcels. 50651 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 50651 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 17/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 50651 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 17/100 figure for 50651 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, 50651 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.