ZIP 75939 Property Distress & Foreclosure Data

In Polk County, Texas, ZIP 75939 scores 33 of 100 for composite distress, a moderate level on DLRadar's public-record index. Its standout signals are structural risk (74/100), construction/permit lag (67/100), institutional ownership (66/100). By contrast, mortgage stress (28/100) register low. On the structural side it scores 74/100, with 9/100 of stress already active. It additionally carries heavy environmental risk: flood (NFIP) exposure (95/100), FEMA disaster exposure (81/100), climate & FEMA risk (71/100).

The market reads neutral — home values rose 4.3% year on year (phase confidence 24/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Educational attainment sits at 9% bachelor's-or-above. About 4,974 people live here, median age 43. Median household income is $45,767, below the U.S. median near $78,000. The ZIP holds roughly 2,090 housing units. 17.9% of residents fall below the poverty threshold. Home values center near $177,600, an affordability ratio of 2.6× — accessible. Owners hold 68% of homes, renters 32%. DLRadar's demographic-stress index for the area reads 32/100. Around 34% of renters are cost-burdened. The vacancy rate is 20.3% — elevated.

Net-net, 75939 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.