ZIP 57038 Property Distress & Foreclosure Data

In Union County, South Dakota, ZIP 57038 scores 20 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are institutional ownership (52/100), structural risk (44/100), mortgage stress (19/100). mortgage stress (19/100) stay muted. The latent-versus-live split is 44/100 structural and 6/100 already moving. Climate and flood risk are elevated too — flood (NFIP) exposure (93/100).

Prices here sit in a expansion phase: values rose 7.2% over the trailing year, and 21% higher over three years (phase confidence 61/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

The ZIP holds roughly 747 housing units. The poverty rate is 1.4% — low. The vacancy rate is 1.3%. Around 35% of adults hold a bachelor's degree or higher. At $86,895, median income runs near typical U.S. levels. 89% of housing is owner-occupied. Around 12% of renters are cost-burdened. The demographic-stress sub-score lands at 20/100. The typical home is worth about $332,300 (3.2× income, relatively affordable). 1,713 residents call 57038 home, typically aged 43.

On balance, 57038 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.