ZIP 83864 Property Distress & Foreclosure Data

DLRadar grades ZIP 83864 (Bonner County, Idaho) at a low 17/100 for overall property distress. Climate and flood risk are elevated too — climate & FEMA risk (63/100). The latent-versus-live split is 35/100 structural and 4/100 already moving. Property-level stress concentrates in structural risk (35/100), institutional ownership (27/100), construction/permit lag (23/100). construction/permit lag (23/100) and mortgage stress (14/100) stay muted.

Prices here sit in a peak phase: values rose 1.2% over the trailing year, 2.4% off the recent peak, and 6% higher over three years (phase confidence 31/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

71% of housing is owner-occupied. The typical home is worth about $516,500 (6.9× income). The vacancy rate is 20.3% — elevated. Around 31% of renters are cost-burdened. At $68,595, median income runs below typical U.S. levels. The demographic-stress sub-score lands at 39/100. The poverty rate is 11.1%. 19,773 residents call 83864 home, typically aged 45. Around 37% of adults hold a bachelor's degree or higher. The ZIP holds roughly 10,242 housing units.

Taken together, 83864 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.