ZIP 76305 Property Distress & Foreclosure Data

Clay County, Texas's ZIP 76305 registers 23/100 composite distress, which DLRadar reads as low. It additionally carries heavy environmental risk: flood (NFIP) exposure (67/100). On the structural side it scores 54/100, with 5/100 of stress already active. The most distinctive pressure shows up in construction/permit lag (85/100), structural risk (54/100), institutional ownership (37/100). By contrast, institutional ownership (37/100) and mortgage stress (16/100) register low.

The market reads peak — home values rose 2.3% year on year, and 1% lower over three years (phase confidence 30/100). Topping markets hide individual distress behind strong averages.

Median household income is $78,973, near the U.S. median near $78,000. Educational attainment sits at 25% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 23/100. Around 20% of renters are cost-burdened. The ZIP holds roughly 2,299 housing units. Home values center near $184,700, an affordability ratio of 2.2× — accessible. About 4,929 people live here, median age 47. The vacancy rate is 13.8% — elevated. 10.9% of residents fall below the poverty threshold. Owners hold 79% of homes, renters 21%.

Net-net, 76305 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.