ZIP 76431 Property Distress & Foreclosure Data

Wise County, Texas's ZIP 76431 registers 20/100 composite distress, which DLRadar reads as low. The most distinctive pressure shows up in construction/permit lag (61/100), structural risk (47/100), institutional ownership (25/100). By contrast, institutional ownership (25/100) and mortgage stress (11/100) register low. The latent-versus-live split is 47/100 structural and 3/100 already moving. It additionally carries heavy environmental risk: flood (NFIP) exposure (82/100).

The market reads peak — home values rose 1.9% year on year, and 7% higher over three years (phase confidence 19/100). Topping markets hide individual distress behind strong averages.

Median household income is $82,971, near the U.S. median near $78,000. 13.2% of residents fall below the poverty threshold. Around 36% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 26/100. Educational attainment sits at 19% bachelor's-or-above. Home values center near $194,700, an affordability ratio of 2.3× — accessible. Owners hold 89% of homes, renters 11%. About 4,480 people live here, median age 38. The vacancy rate is 8.8%. The ZIP holds roughly 1,739 housing units.

Net-net, 76431 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.