ZIP 76645 Property Distress & Foreclosure Data

In Hill County, Texas, ZIP 76645 scores 30 of 100 for composite distress, a moderate level on DLRadar's public-record index. Environmental exposure also runs high (flood (NFIP) exposure (79/100), climate & FEMA risk (70/100)). Its standout signals are construction/permit lag (80/100), structural risk (69/100), institutional ownership (49/100). On the quiet end sit mortgage stress (20/100). Structural exposure scores 69 and live distress 6 on the 0–100 scale.

The neutral-phase market in 76645 posted values that rose 4.3% over the year, and 26% higher over three years, at 24/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

A median home runs $199,100 here, or 2.5 times local income. Roughly 15.8% live below the poverty line. Vacancy runs 12.6%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 40% of tenant households. Population is roughly 11,321 with a median age of 38. About 19% have a four-year degree. The tenure split is 65% owner-occupied to 35% rented. Households earn a median $61,792 — below the roughly $78,000 national figure. There are about 4,565 housing units across 76645. On demographic stress specifically, 76645 scores 30/100.

On the whole, 76645 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.