ZIP 54738 Property Distress & Foreclosure Data

ZIP code 54738 in Eau Claire County, Wisconsin carries a composite property-distress score of 16/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (35/100), construction/permit lag (33/100), institutional ownership (8/100). By contrast, institutional ownership (8/100) and mortgage stress (4/100) register low. On the structural side it scores 35/100, with 1/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (70/100).

The market reads expansion — home values rose 6.5% year on year, and 26% higher over three years (phase confidence 38/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

On demographic stress specifically, 54738 scores 23/100. Around 9% of renters are cost-burdened. Roughly 6.4% live below the poverty line, a low share typical of higher-equity areas. About 30% have a four-year degree. About 3,759 people live here, median age 38. The tenure split is 72% owner-occupied to 28% rented. Households earn a median $93,875 — above the roughly $78,000 national figure. A median home runs $290,400 here, or 3.0 times local income. The ZIP holds roughly 1,387 housing units. The vacancy rate is 5.6%.

Overall 54738 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.