ZIP 76538 Foreclosure, Tax-Lien & Distress Report
Hamilton County, Texas · High Vacancy market
Composite property distress in 76538 (Hamilton County, Texas) lands at 20/100 — low on DLRadar's distress scoring. It additionally carries heavy environmental risk: FEMA disaster exposure (63/100). Structural risk reads 43/100 against active distress of 6/100. What sets it apart are the readings on construction/permit lag (62/100), institutional ownership (45/100), structural risk (43/100). mortgage stress (19/100) stay muted.
Prices here sit in a peak phase: values rose 1.7% over the trailing year, at 16/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
Median household income is $61,103, below the U.S. median near $78,000. Roughly 22.1% live below the poverty line, elevated and often tied to deferred-maintenance inventory. 89% of housing is owner-occupied. Around 26% of adults hold a bachelor's degree or higher. The vacancy rate is 16.0% — elevated. The typical home is worth about $122,500 (2.1× income, relatively affordable). Around 14% of renters are cost-burdened. On demographic stress specifically, 76538 scores 23/100. 996 residents call 76538 home, typically aged 52. The ZIP holds roughly 506 housing units.
On the whole, 76538 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
Big metro or rural, 76538 runs through one identical scoring model, so its 20/100 sits on the same scale as every other ZIP in Hamilton County, Texas and the nation. Sparse data for 76538 shows as blanks, never estimates, and the score updates on every fresh public filing.
Each component behind 76538 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 20/100 roll-up. In workflow terms, 76538 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
What is driving ZIP 76538’s distress
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
The 76538 distress snapshot
Current distress, phase, housing and lender-pressure figures for 76538, drawn from the same report attached to each property.
Nearby ZIPs in Hamilton County
Nearest ZIP codes to 76538
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Keep exploring Texas distress
Further distress data across Hamilton County, Texas at ZIP, county and state level.
See every distressed parcel in 76538
Open 76538 parcel by parcel: owner, address, APN, individual distress score, lender exposure, exit-velocity estimate, and owner and lender records in a single click. Updated continuously across the country.
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