ZIP 76539 Property Distress & Foreclosure Data

Composite property distress in 76539 (Lampasas County, Texas) lands at 28/100 — low on DLRadar's public-record scoring. It additionally carries heavy environmental risk: flood (NFIP) exposure (86/100), FEMA disaster exposure (67/100). The sharpest non-environmental signals are construction/permit lag (82/100), structural risk (65/100), institutional ownership (64/100). By contrast, mortgage stress (25/100) register low. Structural exposure scores 65 and live distress 8 on the 0–100 scale.

The market reads neutral — home values rose 2.0% year on year, and 7% higher over three years, at 12/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Home values center near $286,200, an affordability ratio of 2.7× — accessible. There are about 3,758 housing units across 76539. About 8,642 people live here, median age 46. Median household income is $95,899, above the U.S. median near $78,000. Owners hold 94% of homes, renters 6%. DLRadar's demographic-stress index for the area reads 23/100. Vacancy runs 14.2%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 20% of tenant households. 5.5% of residents fall below the poverty threshold. Educational attainment sits at 23% bachelor's-or-above.

Net-net, 76539 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.