ZIP 75078 Property Distress & Foreclosure Data

ZIP code 75078 in Collin County, Texas carries a composite property-distress score of 31/100 — a moderate reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (99/100), flood (NFIP) exposure (86/100). The latent-versus-live split is 69/100 structural and 6/100 already moving. What sets it apart are the readings on structural risk (69/100), institutional ownership (51/100), construction/permit lag (39/100). By contrast, construction/permit lag (39/100) and mortgage stress (19/100) register low.

The market reads peak — home values rose 1.1% year on year, and 10% higher over three years (phase confidence 18/100). Topping markets hide individual distress behind strong averages.

Median household income is $187,634, above the U.S. median near $78,000. 3.1% of residents fall below the poverty threshold. Home values center near $732,300, an affordability ratio of 3.5× — accessible. The ZIP holds roughly 16,512 housing units. Around 33% of renters are cost-burdened. Educational attainment sits at 63% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 23/100. About 46,857 people live here, median age 36. Owners hold 89% of homes, renters 11%. The vacancy rate is 5.3%.

Net-net, 75078 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.