ZIP 76531 Foreclosure, Tax-Lien & Distress Report

ZIP code 76531 in Hamilton County, Texas carries a composite property-distress score of 9/100 — a minimal reading on DLRadar's deterministic distress index. On the structural side it scores 18/100, with 6/100 of stress already active. It additionally carries heavy environmental risk: FEMA disaster exposure (66/100). The most distinctive pressure shows up in institutional ownership (36/100), mortgage stress (19/100), structural risk (18/100). On the quiet end sit mortgage stress (19/100) and structural risk (18/100).

Prices here sit in a peak phase: values rose 2.0% over the trailing year, and 42% higher over three years, at 22/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

75% of housing is owner-occupied. A median home runs $126,300 here, or 2.3 times local income. Roughly 17.9% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Households earn a median $55,651 — below the roughly $78,000 national figure. The vacancy rate is 30.2% — elevated. Around 22% of adults hold a bachelor's degree or higher. The ZIP holds roughly 2,372 housing units. On demographic stress specifically, 76531 scores 28/100. 4,673 residents call 76531 home, typically aged 44. Around 25% of renters are cost-burdened.

On the whole, 76531 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 76531 is not published yet -- the ZIP-level readings above remain fully sourced.

No ZIP is too small to score: 76531 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 9/100 composite is a like-for-like number rather than an isolated estimate. Where the record is thin for 76531, the field stays empty rather than modeled, and fills in as new documents post.

Behind 76531's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Practically, 76531 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.