ZIP 75109 Property Distress & Foreclosure Data

ZIP code 75109 in Navarro County, Texas carries a composite property-distress score of 28/100 — a low reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (climate & FEMA risk (72/100), flood (NFIP) exposure (60/100)). What sets it apart are the readings on construction/permit lag (63/100), structural risk (61/100), institutional ownership (45/100). On the quiet end sit mortgage stress (19/100). Structural exposure scores 61 and live distress 6 on the 0–100 scale.

The peak-phase market in 75109 posted values that rose 1.1% over the year, and 21% higher over three years, at 18/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

A median home runs $258,400 here, or 2.5 times local income. Roughly 17.6% live below the poverty line, elevated and often tied to deferred-maintenance inventory. The tenure split is 88% owner-occupied to 12% rented. There are about 2,390 housing units across 75109. Population is roughly 5,115 with a median age of 45. Households earn a median $85,009 — near the roughly $78,000 national figure. Vacancy runs 16.0%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 49% of tenant households. About 20% have a four-year degree. On demographic stress specifically, 75109 scores 30/100.

On the whole, 75109 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.