Predictive Risk Analysis

Foreclosure Distress Score

Multi-signal prediction engine scoring 564 South Florida zip codes for foreclosure risk. Powered by Census, Federal Reserve, and county recorder data.

Avg Metro Score

High Risk

Elevated

Moderate

507

Low Risk

Signal Weights

25%

Mortgage Cost Burden

Census: monthly costs as % of income

25%

Lis Pendens Rate

Foreclosure filings per 1,000 properties

10%

Investor Ownership

Non-owner-occupied ratio

10%

Code Violations

Building violations per 1,000

10%

LLC Transfer Rate

Non-market transfers per 1,000

10%

Unemployment (FRED)

Miami MSA from Federal Reserve

10%

30yr Mortgage Rate (FRED)

National rate from Federal Reserve

Elevated Risk Zip Codes

Score 40-60 — above-average distress indicators

33069

ELEVATED

Cost Burden 33.1%

Median Mortgage $1,639/mo

33316

ELEVATED

Cost Burden 35.7%

Median Mortgage $3,636/mo

33019

ELEVATED

Cost Burden 32.0%

Median Mortgage $3,414/mo

33063

ELEVATED

Cost Burden 30.8%

Median Mortgage $1,796/mo

33322

ELEVATED

Cost Burden 30.9%

Median Mortgage $1,815/mo

All Zip Codes Ranked

564 zips sorted by composite risk score

#	Zip	Score	Risk	Burden	Mortgage	Value
1	33069	44	ELEVATED	33.1%	$1,639	$231,100
2	33316	44	ELEVATED	35.7%	$3,636	$736,400
3	33019	44	ELEVATED	32.0%	$3,414	$607,400
4	33063	44	ELEVATED	30.8%	$1,796	$246,900
5	33322	44	ELEVATED	30.9%	$1,815	$238,500
6	33025	36	MODERATE	24.5%	$1,963	$311,300
7	33328	36	MODERATE	23.2%	$2,668	$476,100
8	33062	36	MODERATE	29.6%	$2,724	$465,000
9	33023	36	MODERATE	26.5%	$1,883	$315,100
10	33334	36	MODERATE	27.4%	$2,130	$404,600
11	33441	36	MODERATE	27.4%	$2,018	$335,600
12	33351	36	MODERATE	27.1%	$1,890	$311,500
13	33315	36	MODERATE	22.7%	$2,615	$416,900
14	33313	36	MODERATE	29.7%	$1,638	$220,400
15	33064	36	MODERATE	26.9%	$1,803	$274,000
16	33319	36	MODERATE	27.6%	$1,661	$210,500
17	33301	36	MODERATE	23.6%	$3,630	$701,800
18	33305	36	MODERATE	21.6%	$2,812	$479,000
19	33026	36	MODERATE	24.8%	$2,146	$361,500
20	33330	36	MODERATE	23.7%	$3,216	$646,000
21	33004	36	MODERATE	29.2%	$1,946	$278,100
22	33325	36	MODERATE	24.0%	$2,308	$380,000
23	33024	36	MODERATE	24.8%	$1,905	$338,200
24	33071	36	MODERATE	24.9%	$2,659	$470,800
25	33308	36	MODERATE	24.7%	$2,839	$489,800
26	33314	36	MODERATE	24.5%	$1,996	$285,400
27	33304	36	MODERATE	22.2%	$3,241	$543,500
28	33317	36	MODERATE	25.9%	$2,282	$406,200
29	33009	36	MODERATE	27.2%	$1,682	$237,100
30	33021	36	MODERATE	25.0%	$2,381	$365,400
31	33060	36	MODERATE	25.1%	$2,120	$324,500
32	33068	36	MODERATE	29.1%	$1,786	$248,500
33	33065	36	MODERATE	25.6%	$2,026	$373,400
34	33321	36	MODERATE	29.2%	$1,809	$236,800
35	33312	36	MODERATE	26.4%	$1,989	$361,800
36	33309	36	MODERATE	27.8%	$1,880	$273,600
37	33331	36	MODERATE	22.2%	$2,889	$620,200
38	33326	36	MODERATE	22.7%	$2,676	$474,100
39	33324	36	MODERATE	24.9%	$2,154	$313,500
40	33311	36	MODERATE	28.8%	$1,684	$246,600
41	33020	36	MODERATE	27.5%	$1,866	$278,100
42	33332	34	MODERATE	26.1%	$3,883	$784,500
43	33029	33	MODERATE	21.2%	$2,763	$500,100
44	33028	32	MODERATE	25.0%	$2,772	$486,000
45	33442	31	MODERATE	29.9%	$1,905	$202,400
46	33323	31	MODERATE	25.1%	$2,381	$417,700
47	33306	31	MODERATE	17.8%	$2,795	$466,200
48	34215	31	MODERATE	51.0%	$1,875	$796,900
49	33027	27	MODERATE	25.2%	$2,501	$371,200
50	33073	27	MODERATE	25.3%	$2,326	$410,100

Methodology

The Distress Risk Score combines seven signals into a weighted 0-100 composite. Property signals (70%): Census ACS mortgage cost burden, lis pendens filing rate, investor ownership ratio, code violation density, and non-market transfer activity. Economic signals (30%): Miami MSA unemployment rate and national 30-year mortgage rate from FRED.

Risk levels: HIGH (60+) = multiple converging stress factors. ELEVATED (40-60) = above-average risk. MODERATE (20-40) = baseline. LOW (<20) = stable. Scores update daily from cached computations.

This model is designed for investor research and does not guarantee future foreclosure activity. Data sources: Census ACS 2022, Federal Reserve FRED, Broward County Clerk, Miami-Dade Property Appraiser.

Access distress scores via API

Per-zip and per-property risk scores for your investment tools.

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