ZIP 78028 Foreclosure, Tax-Lien & Distress Report
Kerr County, Texas · Distress market
In Kerr County, Texas, ZIP 78028 scores 28 of 100 for composite distress, a low level on DLRadar's distress index. Property-level stress concentrates in institutional ownership (63/100), structural risk (63/100), construction/permit lag (28/100). On the quiet end sit construction/permit lag (28/100) and mortgage stress (20/100). Latent structural risk is 63/100 while live distress already moving reads 6/100. It additionally carries heavy environmental risk: flood (NFIP) exposure (97/100), FEMA disaster exposure (77/100), climate & FEMA risk (70/100).
The peak-phase market in 78028 posted values that rose 0.9% over the 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.
The poverty rate is 11.4%. Vacancy runs 9.4%. The demographic-stress sub-score lands at 32/100. Around 35% of renters are cost-burdened. Around 32% of adults hold a bachelor's degree or higher. Owners hold 68% of homes, renters 32%. Population is roughly 40,829 with a median age of 48. Home values center near $323,200, an affordability ratio of 4.3×. Median household income is $65,486, below the U.S. median near $78,000. The ZIP holds roughly 19,744 housing units.
Overall, 78028 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Parcel-level detail for 78028 is not published yet -- the ZIP-level readings above remain fully sourced.
The 78028 read uses the identical scoring model applied coast to coast, which means its 28/100 score means exactly what it means anywhere else, and 78028 stays directly comparable to neighboring ZIPs and the rest of Kerr County, Texas. Every figure is auditable to a public dataset and refreshed as records update; 78028 shows blanks, not estimates, wherever the record is sparse.
The 28/100 figure for 78028 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For a buyer, 78028 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 78028
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
Snapshot: 78028 by the numbers
The live 78028 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Adjacent Kerr County ZIP reports
Nearest ZIP codes to 78028
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
More distress data near 78028
Keep going: ZIP, county and state distress coverage for Kerr County, Texas.
Unlock parcel-level detail for ZIP 78028
Every distressed parcel in 78028 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to owner and lender records, refreshed continuously nationwide.
Rules-based scoring — each signal ties to a public dataset · methodology