ZIP 58545 Property Distress & Foreclosure Data

ZIP code 58545 in Mercer County, North Dakota carries a composite property-distress score of 13/100 — a minimal reading on DLRadar's deterministic public-record index. The latent-versus-live split is 32/100 structural and 2/100 already moving. What sets it apart are the readings on construction/permit lag (96/100), structural risk (32/100), institutional ownership (9/100). By contrast, institutional ownership (9/100) and mortgage stress (8/100) register low.

The market reads expansion — home values rose 7.1% year on year, 1.7% off the recent peak, and 8% higher over three years (phase confidence 46/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Median household income is $73,229, near the U.S. median near $78,000. 11.3% of residents fall below the poverty threshold. Home values center near $202,700, an affordability ratio of 2.9× — accessible. Around 41% of renters are cost-burdened. The vacancy rate is 21.4% — elevated. Educational attainment sits at 26% bachelor's-or-above. The ZIP holds roughly 1,862 housing units. DLRadar's demographic-stress index for the area reads 29/100. Owners hold 77% of homes, renters 23%. About 3,278 people live here, median age 46.

Net-net, 58545 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.