ZIP 78003 Property Distress & Foreclosure Data

In Bandera County, Texas, ZIP 78003 scores 19 of 100 for composite distress, a low level on DLRadar's public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (61/100). Its standout signals are construction/permit lag (90/100), structural risk (43/100), mortgage stress (5/100). By contrast, mortgage stress (5/100) and institutional ownership (5/100) register low. Structural risk reads 43/100 against active distress of 2/100.

The market reads recovery — home values rose 1.9% year on year, and 3% higher over three years, at 12/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

About 9,594 people live here, median age 51. 84% of housing is owner-occupied. Vacancy runs 20.6%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 27% of tenant households. The typical home is worth about $242,700 (4.3× income). Around 24% of adults hold a bachelor's degree or higher. At $54,500, median income runs below typical U.S. levels. The demographic-stress sub-score lands at 32/100. There are about 5,291 housing units across 78003. The poverty rate is 19.0% — high, a tax-stress and distress correlate.

Net-net, 78003 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.