ZIP 76849 Foreclosure, Tax-Lien & Distress Report

ZIP code 76849 in Kimble County, Texas carries a composite property-distress score of 19/100 — a low reading on DLRadar's deterministic distress index. Climate and flood risk are elevated too — FEMA disaster exposure (75/100). The pressure is most legible in institutional ownership (54/100), structural risk (41/100), construction/permit lag (26/100). construction/permit lag (26/100) and mortgage stress (20/100) stay muted. Structural risk reads 41/100 against active distress of 6/100.

The peak-phase market in 76849 posted values that rose 2.0% over the year, at 21/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Population is roughly 3,488 with a median age of 47. Home values center near $188,900, an affordability ratio of 2.7× — accessible. At $59,311, median income runs below typical U.S. levels. Owners hold 79% of homes, renters 21%. Rent burden reaches 36% of tenant households. The ZIP holds roughly 2,203 housing units. The poverty rate is 17.0% — high, a tax-stress and distress correlate. The demographic-stress sub-score lands at 30/100. Vacancy runs 34.5%, above the national norm and a classic distress-and-opportunity signal. Around 29% of adults hold a bachelor's degree or higher.

On the whole, 76849 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.

No ZIP is too small to score: 76849 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 19/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed as records update; 76849 shows blanks, not estimates, wherever the record is sparse.

76849's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For a buyer, 76849 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.