ZIP 78003 Foreclosure, Tax-Lien & Distress Report
Bandera County, Texas · High Vacancy market
Bandera County, Texas's ZIP 78003 registers 24/100 composite distress, which DLRadar reads as low. Climate and flood risk are elevated too — FEMA disaster exposure (69/100), climate & FEMA risk (61/100). Leading the profile are construction/permit lag (80/100), structural risk (53/100), institutional ownership (32/100). By contrast, institutional ownership (32/100) and mortgage stress (5/100) register low. The split runs 53/100 structural to 2/100 active on the ground.
The market reads contraction — home values fell 1.2% year on year, 2.0% off the recent peak, and 3% higher over three years (phase confidence 21/100). Falling values surface more motivated sellers and below-market exits.
Population is roughly 9,594 with a median age of 51. The tenure split is 84% owner-occupied to 16% rented. Vacancy runs 20.6%, above the national norm and a classic distress-and-opportunity signal. Around 27% of renters are cost-burdened. A median home runs $242,700 here, or 4.3 times local income. Around 24% of adults hold a bachelor's degree or higher. Median household income is $54,500, below the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 32/100. The ZIP holds roughly 5,291 housing units. Roughly 19.0% live below the poverty line, elevated and often tied to deferred-maintenance inventory.
Net-net, 78003 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 78003 at the moment; the composite and its components are still built from verifiable public records.
The 78003 read uses the identical public-record model applied coast to coast, which means its 24/100 score means exactly what it means anywhere else, and 78003 stays directly comparable to neighboring ZIPs and the rest of Bandera County, Texas. Every figure is auditable to a public dataset and refreshed on ingest; 78003 shows blanks, not estimates, wherever the record is sparse.
The 24/100 for 78003 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For a buyer, 78003 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.
Distress signal breakdown — ZIP 78003
Tax-delinquent parcels, institutional ownership, insurance strain, flood risk, construction lag, price dislocation and auction speed — plus the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
The 78003 distress snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 78003, the same set carried on every parcel.
Neighbouring ZIPs in Bandera County
Explore related distress reports
Other reports tied to Bandera County, Texas — ZIP, county and statewide.
Unlock parcel-level detail for ZIP 78003
The full 78003 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through funding and closing. Refreshed continuously.
Rules-based scoring — each signal ties to a public dataset · methodology