ZIP 89815 Property Distress & Foreclosure Data

Elko County, Nevada's ZIP 89815 registers 19/100 composite distress, which DLRadar reads as low. The most distinctive pressure shows up in construction/permit lag (58/100), structural risk (42/100), mortgage stress (3/100). On the quiet end sit mortgage stress (3/100) and institutional ownership (3/100). The latent-versus-live split is 42/100 structural and 1/100 already moving. Environmental exposure also runs high (climate & FEMA risk (88/100)).

The peak-phase market in 89815 posted values that rose 1.6% over the year, and 20% higher over three years (phase confidence 32/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Home values center near $351,100, an affordability ratio of 3.0× — accessible. DLRadar's demographic-stress index for the area reads 29/100. Around 48% of renters are cost-burdened. Educational attainment sits at 23% bachelor's-or-above. Median household income is $103,691, above the U.S. median near $78,000. The vacancy rate is 5.4%. Owners hold 89% of homes, renters 11%. Population is roughly 15,707 with a median age of 35. 10.4% of residents fall below the poverty threshold. The ZIP holds roughly 5,693 housing units.

On balance 89815 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.