ZIP 76401 Foreclosure, Tax-Lien & Distress Report

Erath County, Texas's ZIP 76401 registers 26/100 composite distress, which DLRadar reads as low. Environmental exposure also runs high (climate & FEMA risk (75/100), flood (NFIP) exposure (72/100)). The pressure is most legible in construction/permit lag (100/100), structural risk (62/100), institutional ownership (16/100). institutional ownership (16/100) and mortgage stress (8/100) stay muted. Structural exposure scores 62 and live distress 2 on the 0–100 scale.

The peak-phase market in 76401 posted values that rose 0.9% over the year, and 22% higher over three years (phase confidence 9/100). Topping markets hide individual distress behind strong averages.

There are about 13,764 housing units across 76401. Rent burden reaches 45% of tenant households. Vacancy runs 11.0%. On demographic stress specifically, 76401 scores 35/100. A median home runs $270,000 here, or 4.1 times local income. At $60,864, median income runs below typical U.S. levels. The tenure split is 57% owner-occupied to 43% rented. About 35% have a four-year degree. About 30,873 people live here, median age 30. 15.9% of residents fall below the poverty threshold.

On balance 76401 is mixed, rewarding parcel-by-parcel screening over broad assumptions. While 76401 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 76401 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 26/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 76401, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 26/100 for 76401 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 76401 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.