ZIP 83822 Property Distress & Foreclosure Data

In Bonner County, Idaho, ZIP 83822 scores 20 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are structural risk (41/100), institutional ownership (35/100), construction/permit lag (18/100). construction/permit lag (18/100) and mortgage stress (17/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (77/100), FEMA disaster exposure (64/100). On the structural side it scores 41/100, with 5/100 of stress already active.

Prices here sit in a peak phase: values rose 2.0% over the trailing year, 2.5% off the recent peak, and 45% higher over three years (phase confidence 32/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The vacancy rate is 14.8% — elevated. Around 34% of renters are cost-burdened. The poverty rate is 12.5%. The demographic-stress sub-score lands at 42/100. Around 7% of adults hold a bachelor's degree or higher. 2,511 residents call 83822 home, typically aged 50. The ZIP holds roughly 1,143 housing units. The typical home is worth about $443,800 (7.2× income, severely stretched). At $51,959, median income runs below typical U.S. levels. 82% of housing is owner-occupied.

Taken together, 83822 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.