ZIP 83646 Property Distress & Foreclosure Data

ZIP code 83646 in Ada County, Idaho carries a composite property-distress score of 23/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (50/100), construction/permit lag (45/100), institutional ownership (14/100). By contrast, institutional ownership (14/100) and mortgage stress (6/100) register low. On the structural side it scores 50/100, with 2/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (90/100), flood (NFIP) exposure (62/100).

The market reads peak — home values rose 2.7% year on year, and 1% lower over three years (phase confidence 22/100). Topping markets hide individual distress behind strong averages.

Median household income is $101,040, above the U.S. median near $78,000. Around 35% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 30/100. Educational attainment sits at 44% bachelor's-or-above. About 74,522 people live here, median age 38. Owners hold 81% of homes, renters 19%. 6.4% of residents fall below the poverty threshold. Home values center near $542,500, an affordability ratio of 4.8×. The ZIP holds roughly 27,957 housing units. The vacancy rate is 3.3%.

Overall 83646 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.