ZIP 96778 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 96778 (Hawaii County, Hawaii) returns a moderate composite of 36/100. Its heaviest discrete signals: structural risk (79/100), institutional ownership (67/100), construction/permit lag (55/100). On the quiet end sit mortgage stress (11/100). Environmental exposure also runs high (climate & FEMA risk (98/100), FEMA disaster exposure (89/100), flood (NFIP) exposure (88/100)). Structural risk reads 79/100 against active distress of 3/100.

Prices here sit in a expansion phase: values rose 7.1% over the trailing year, and 9% higher over three years (phase confidence 61/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Around 68% of renters are cost-burdened. Roughly 35.4% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Households earn a median $34,863 — below the roughly $78,000 national figure. Around 22% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 50/100. Vacancy runs 14.1%, above the national norm and a classic distress-and-opportunity signal. 80% of housing is owner-occupied. The ZIP holds roughly 7,098 housing units. Population is roughly 14,225 with a median age of 46. The typical home is worth about $273,800 (6.9× income).

Taken together, 96778 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 96778 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The 96778 read uses the identical public-record model applied coast to coast, which means its 36/100 score means exactly what it means anywhere else, and 96778 stays directly comparable to neighboring ZIPs and the rest of Hawaii County, Hawaii. Where the public record is thin for 96778, the field stays empty rather than modeled, and fills in as new documents post.

Behind 96778's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Treat 96778 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.