ZIP 75645 Property Distress & Foreclosure Data

ZIP code 75645 in Upshur County, Texas carries a composite property-distress score of 31/100 — a moderate reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (75/100), structural risk (69/100), institutional ownership (58/100). By contrast, mortgage stress (23/100) register low. It additionally carries heavy environmental risk: FEMA disaster exposure (78/100), flood (NFIP) exposure (74/100), climate & FEMA risk (65/100). On the structural side it scores 69/100, with 7/100 of stress already active.

The market reads peak — home values rose 2.9% year on year, and 28% higher over three years (phase confidence 39/100). Topping markets hide individual distress behind strong averages.

Owners hold 84% of homes, renters 16%. Educational attainment sits at 17% bachelor's-or-above. Around 46% of renters are cost-burdened. Home values center near $166,900, an affordability ratio of 2.8× — accessible. Median household income is $64,069, below the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 29/100. The ZIP holds roughly 4,581 housing units. The vacancy rate is 8.0%. 13.2% of residents fall below the poverty threshold. About 10,511 people live here, median age 45.

Net-net, 75645 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.