ZIP 78025 Foreclosure, Tax-Lien & Distress Report

Kerr County, Texas's ZIP 78025 registers 28/100 composite distress, which DLRadar reads as low. On the structural side it scores 63/100, with 6/100 of stress already active. Climate and flood risk are elevated too — flood (NFIP) exposure (98/100), FEMA disaster exposure (84/100), climate & FEMA risk (73/100). Leading the profile are structural risk (63/100), institutional ownership (62/100), mortgage stress (21/100). By contrast, mortgage stress (21/100) and construction/permit lag (21/100) register low.

The market reads peak — home values rose 0.9% year on year, and 8% higher over three years, at 9/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Population is roughly 5,060 with a median age of 47. The vacancy rate is 22.0% — elevated. The ZIP holds roughly 2,400 housing units. Rent burden reaches 44% of tenant households. The tenure split is 78% owner-occupied to 22% rented. Around 25% of adults hold a bachelor's degree or higher. At $65,699, median income runs below typical U.S. levels. 12.4% of residents fall below the poverty threshold. Home values center near $248,200, an affordability ratio of 3.9× — accessible. The demographic-stress sub-score lands at 33/100.

Taken together, 78025 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 78025 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 78025 runs hot or quiet, its 28/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 78025 can be compared directly against any other ZIP in Kerr County, Texas or nationwide. 78025 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Each component behind 78025 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 28/100 roll-up. The point of the 78025 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.