ZIP 77657 Foreclosure, Tax-Lien & Distress Report
Hardin County, Texas · Distress market
ZIP code 77657 in Hardin County, Texas carries a composite property-distress score of 31/100 — a moderate reading on DLRadar's deterministic public-record index. The split runs 70/100 structural to 7/100 active on the ground. Leading the profile are structural risk (70/100), institutional ownership (68/100), construction/permit lag (48/100). mortgage stress (25/100) stay muted. Climate and flood risk are elevated too — flood (NFIP) exposure (93/100), FEMA disaster exposure (89/100), climate & FEMA risk (70/100).
The market reads peak — home values rose 3.6% year on year, and 15% higher over three years (phase confidence 33/100). Topping markets hide individual distress behind strong averages.
About 21,691 people live here, median age 40. The typical home is worth about $256,100 (2.6× income, relatively affordable). Roughly 8.4% live below the poverty line. Rent burden reaches 41% of tenant households. Vacancy runs 7.0%. On demographic stress specifically, 77657 scores 26/100. 84% of housing is owner-occupied. Households earn a median $93,225 — above the roughly $78,000 national figure. There are about 9,441 housing units across 77657. Educational attainment sits at 26% bachelor's-or-above.
Net-net, 77657 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. While 77657 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
No ZIP is too small to score: 77657 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 31/100 composite is a like-for-like number rather than an isolated estimate. 77657 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
Behind 77657's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For an operator, 77657 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
ZIP 77657 distress signals, scored
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
Snapshot: 77657 by the numbers
Live ZIP-level distress, market-phase, housing and bank-pressure read — the same report attached to every property.
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Rules-based scoring — each signal ties to a public dataset · methodology