ZIP 75631 Property Distress & Foreclosure Data

ZIP code 75631 in Panola County, Texas carries a composite property-distress score of 16/100 — a low reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (FEMA disaster exposure (81/100)). What sets it apart are the readings on institutional ownership (44/100), structural risk (32/100), mortgage stress (19/100). On the quiet end sit structural risk (32/100) and mortgage stress (19/100). Structural risk reads 32/100 against active distress of 6/100.

The neutral-phase market in 75631 posted values that rose 4.3% over the year, at 24/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

The tenure split is 79% owner-occupied to 21% rented. A median home runs $146,800 here, or 1.8 times local income. Households earn a median $76,389 — near the roughly $78,000 national figure. On demographic stress specifically, 75631 scores 29/100. Population is roughly 2,644 with a median age of 40. Rent burden reaches 57% of tenant households. Vacancy runs 19.5%, above the national norm and a classic distress-and-opportunity signal. There are about 1,075 housing units across 75631. About 19% have a four-year degree. Roughly 10.0% live below the poverty line.

On the whole, 75631 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.