ZIP 51301 Property Distress & Foreclosure Data

Composite property distress in 51301 (Clay County, Iowa) lands at 21/100 — low on DLRadar's public-record scoring. Environmental exposure also runs high (flood (NFIP) exposure (99/100), FEMA disaster exposure (64/100)). The sharpest non-environmental signals are institutional ownership (57/100), structural risk (46/100), mortgage stress (22/100). On the quiet end sit mortgage stress (22/100). Structural exposure scores 46 and live distress 7 on the 0–100 scale.

The peak-phase market in 51301 posted values that rose 4.0% over the year, and 8% higher over three years, at 23/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Population is roughly 12,402 with a median age of 42. The poverty rate is 13.0%. There are about 6,185 housing units across 51301. 69% of housing is owner-occupied. Vacancy runs 8.9%. Rent burden reaches 29% of tenant households. Around 28% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 27/100. The typical home is worth about $188,300 (3.0× income, relatively affordable). At $61,175, median income runs below typical U.S. levels.

On balance 51301 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.