ZIP 78040 Foreclosure, Tax-Lien & Distress Report

ZIP code 78040 in Webb County, Texas carries a composite property-distress score of 46/100 — a moderate reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: FEMA disaster exposure (89/100), climate & FEMA risk (86/100). Structurally it carries 74/100, against 6/100 of stress already in motion. The sharpest non-environmental signals are structural risk (74/100), construction/permit lag (71/100), institutional ownership (61/100). On the quiet end sit price dislocation (25/100) and mortgage stress (21/100).

The market reads neutral — home values rose 2.8% year on year, 5.8% off the recent peak (phase confidence 48/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

DLRadar's demographic-stress index for the area reads 42/100. The poverty rate is 33.8% — high, a tax-stress and distress correlate. Home values center near $118,700, an affordability ratio of 3.3× — accessible. Around 47% of renters are cost-burdened. Owners hold 38% of homes, renters 62%. The vacancy rate is 15.7% — elevated. Educational attainment sits at 9% bachelor's-or-above. Population is roughly 36,115 with a median age of 29. Median household income is $35,742, below the U.S. median near $78,000. The ZIP holds roughly 13,455 housing units.

On the whole, 78040 leans distressed, with opportunity clustered in specific stressed parcels. 78040 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The number is not local guesswork: 78040's 46/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Nothing here is interpolated — where a source is thin for 78040, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 78040's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For an operator, 78040 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.