ZIP 83860 Property Distress & Foreclosure Data

Composite property distress in 83860 (Bonner County, Idaho) lands at 20/100 — low on DLRadar's public-record scoring. The sharpest non-environmental signals are structural risk (41/100), institutional ownership (35/100), construction/permit lag (18/100). On the quiet end sit construction/permit lag (18/100) and mortgage stress (17/100). The latent-versus-live split is 41/100 structural and 5/100 already moving. Environmental exposure also runs high (climate & FEMA risk (77/100), FEMA disaster exposure (64/100)).

The peak-phase market in 83860 posted values that rose 2.0% over the year, 2.5% off the recent peak, and 2% higher over three years (phase confidence 32/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The vacancy rate is 25.9% — elevated. Around 24% of renters are cost-burdened. Roughly 8.3% live below the poverty line. Population is roughly 7,953 with a median age of 50. The ZIP holds roughly 3,770 housing units. A median home runs $597,500 here, or 6.8 times local income. About 32% have a four-year degree. On demographic stress specifically, 83860 scores 37/100. Households earn a median $75,042 — near the roughly $78,000 national figure. The tenure split is 86% owner-occupied to 14% rented.

On the whole, 83860 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.