ZIP 76520 Foreclosure, Tax-Lien & Distress Report

ZIP 76520's composite property-distress score is 19/100 - DLRadar classes that as low for Milam County, Texas. Structural exposure scores 40 and live distress 5 on the 0–100 scale. What sets it apart are the readings on institutional ownership (45/100), structural risk (40/100), construction/permit lag (30/100). construction/permit lag (30/100) and mortgage stress (18/100) stay muted. It additionally carries heavy environmental risk: FEMA disaster exposure (83/100).

The peak-phase market in 76520 posted values that rose 2.0% over the year, and 26% higher over three years, at 22/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Population is roughly 8,098 with a median age of 37. The vacancy rate is 12.0% — elevated. The ZIP holds roughly 3,498 housing units. 71% of housing is owner-occupied. Median household income is $63,037, below the U.S. median near $78,000. On demographic stress specifically, 76520 scores 30/100. Home values center near $162,100, an affordability ratio of 2.5× — accessible. Around 37% of renters are cost-burdened. 21.9% of residents fall below the poverty threshold. Around 21% of adults hold a bachelor's degree or higher.

Taken together, 76520 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 76520 is not published yet -- the ZIP-level readings above remain fully sourced.

The 76520 read uses the identical scoring model applied coast to coast, which means its 19/100 score means exactly what it means anywhere else, and 76520 stays directly comparable to neighboring ZIPs and the rest of Milam County, Texas. Nothing here is interpolated — where a source is thin for 76520, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 19/100 figure for 76520 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. The point of the 76520 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.