ZIP 78028 Property Distress & Foreclosure Data

Composite property distress in 78028 (Kerr County, Texas) lands at 23/100 — low on DLRadar's public-record scoring. The sharpest non-environmental signals are institutional ownership (50/100), structural risk (50/100), mortgage stress (20/100). On the quiet end sit mortgage stress (20/100) and construction/permit lag (3/100). On the structural side it scores 50/100, with 6/100 of stress already active. Environmental exposure also runs high (flood (NFIP) exposure (82/100), climate & FEMA risk (70/100)).

The peak-phase market in 78028 posted values that rose 1.1% over the year, and 8% higher over three years (phase confidence 18/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

11.4% of residents fall below the poverty threshold. The vacancy rate is 9.4%. DLRadar's demographic-stress index for the area reads 32/100. Around 35% of renters are cost-burdened. Educational attainment sits at 32% bachelor's-or-above. 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.

On balance 78028 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.