ZIP 76365 Property Distress & Foreclosure Data

ZIP code 76365 in Clay County, Texas carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: flood (NFIP) exposure (60/100). The latent-versus-live split is 46/100 structural and 6/100 already moving. What sets it apart are the readings on construction/permit lag (73/100), structural risk (46/100), institutional ownership (45/100). By contrast, mortgage stress (19/100) register low.

The market reads peak — home values rose 2.4% year on year, and 1% higher over three years (phase confidence 29/100). Topping markets hide individual distress behind strong averages.

The ZIP holds roughly 2,371 housing units. The vacancy rate is 17.6% — elevated. Median household income is $64,307, below the U.S. median near $78,000. Educational attainment sits at 28% bachelor's-or-above. Around 54% of renters are cost-burdened. Owners hold 75% of homes, renters 25%. 10.3% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 29/100. Home values center near $162,300, an affordability ratio of 2.2× — accessible. About 4,668 people live here, median age 49.

Net-net, 76365 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.