ZIP 76638 Property Distress & Foreclosure Data

Composite property distress in 76638 (Mclennan County, Texas) lands at 21/100 — low on DLRadar's public-record scoring. It additionally carries heavy environmental risk: climate & FEMA risk (90/100), flood (NFIP) exposure (90/100). The sharpest non-environmental signals are structural risk (47/100), institutional ownership (21/100), mortgage stress (9/100). By contrast, mortgage stress (9/100) and construction/permit lag (9/100) register low. Structural exposure scores 47 and live distress 3 on the 0–100 scale.

The market reads neutral — home values rose 3.2% year on year, and 3% higher over three years, at 26/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

About 3,395 people live here, median age 38. There are about 1,260 housing units across 76638. Home values center near $440,900, an affordability ratio of 3.0× — accessible. Owners hold 95% of homes, renters 5%. Median household income is $125,938, above the U.S. median near $78,000. Vacancy runs 7.1%. Educational attainment sits at 40% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 21/100. 3.6% of residents fall below the poverty threshold. Rent burden reaches 20% of tenant households.

Overall 76638 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.