ZIP 75644 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 75644 (Upshur County, Texas) returns a moderate composite of 31/100. Structurally it carries 68/100, against 7/100 of stress already in motion. What sets it apart are the readings on construction/permit lag (74/100), structural risk (68/100), institutional ownership (59/100). On the quiet end sit mortgage stress (23/100). Environmental exposure also runs high (FEMA disaster exposure (78/100), flood (NFIP) exposure (73/100), climate & FEMA risk (65/100)).

The market reads recovery — home values rose 2.8% year on year, and 25% higher over three years (phase confidence 19/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Vacancy runs 12.6%, above the national norm and a classic distress-and-opportunity signal. Owners hold 69% of homes, renters 31%. Population is roughly 12,785 with a median age of 41. The ZIP holds roughly 5,018 housing units. The poverty rate is 15.0%. Educational attainment sits at 19% bachelor's-or-above. The typical home is worth about $163,000 (2.9× income, relatively affordable). Median household income is $56,155, below the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 31/100. Rent burden reaches 38% of tenant households.

Net-net, 75644 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 75644 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Big metro or rural, 75644 runs through one identical public-record model, so its 31/100 sits on the same scale as every other ZIP in Upshur County, Texas and the nation. Every figure is auditable to a public dataset and refreshed on ingest; 75644 shows blanks, not estimates, wherever the record is sparse.

The 31/100 for 75644 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. The point of the 75644 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.