ZIP 75438 Property Distress & Foreclosure Data

ZIP code 75438 in Fannin County, Texas carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (77/100), structural risk (52/100), institutional ownership (32/100). By contrast, institutional ownership (32/100) and mortgage stress (14/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (69/100). The latent-versus-live split is 52/100 structural and 4/100 already moving.

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

The ZIP holds roughly 522 housing units. Home values center near $238,000, an affordability ratio of 1.9× — accessible. 13.0% of residents fall below the poverty threshold. Educational attainment sits at 32% bachelor's-or-above. Around 30% of renters are cost-burdened. Owners hold 71% of homes, renters 29%. Median household income is $109,750, above the U.S. median near $78,000. About 1,279 people live here, median age 42. DLRadar's demographic-stress index for the area reads 24/100. The vacancy rate is 6.0%.

Net-net, 75438 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.