ZIP 51038 Property Distress & Foreclosure Data

ZIP code 51038 in Plymouth County, Iowa carries a composite property-distress score of 28/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (81/100), structural risk (65/100), institutional ownership (48/100). mortgage stress (18/100) stay muted. Climate and flood risk are elevated too — flood (NFIP) exposure (96/100). On the structural side it scores 65/100, with 5/100 of stress already active.

Prices here sit in a peak phase: values rose 4.0% over the trailing year, and 31% higher over three years (phase confidence 23/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The ZIP holds roughly 653 housing units. 1,512 residents call 51038 home, typically aged 43. Median household income is $88,864, above the U.S. median near $78,000. Around 12% of renters are cost-burdened. Educational attainment sits at 20% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 20/100. 3.5% of residents fall below the poverty threshold. The vacancy rate is 15.3% — elevated. Owners hold 85% of homes, renters 15%. Home values center near $183,100, an affordability ratio of 2.0× — accessible.

Taken together, 51038 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.