ZIP 76228 Property Distress & Foreclosure Data

Composite property distress in 76228 (Clay County, Texas) lands at 21/100 — low on DLRadar's public-record scoring. Environmental exposure also runs high (flood (NFIP) exposure (61/100)). On the structural side it scores 49/100, with 6/100 of stress already active. The sharpest non-environmental signals are construction/permit lag (75/100), structural risk (49/100), institutional ownership (45/100). On the quiet end sit mortgage stress (19/100).

The peak-phase market in 76228 posted values that rose 2.5% over the year (phase confidence 29/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The tenure split is 82% owner-occupied to 18% rented. Around 26% of renters are cost-burdened. About 22% have a four-year degree. A median home runs $171,200 here, or 2.1 times local income. Roughly 14.8% live below the poverty line. Population is roughly 1,320 with a median age of 47. Households earn a median $71,250 — near the roughly $78,000 national figure. On demographic stress specifically, 76228 scores 25/100. The vacancy rate is 17.8% — elevated. The ZIP holds roughly 594 housing units.

On the whole, 76228 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.