ZIP 78055 Foreclosure, Tax-Lien & Distress Report

In Bandera County, Texas, ZIP 78055 scores 24 of 100 for composite distress, a low level on DLRadar's public-record index. Its heaviest discrete signals: construction/permit lag (79/100), structural risk (52/100), institutional ownership (30/100). By contrast, institutional ownership (30/100) and mortgage stress (5/100) register low. The latent-versus-live split is 52/100 structural and 2/100 already moving. It additionally carries heavy environmental risk: FEMA disaster exposure (71/100), climate & FEMA risk (61/100).

The contraction-phase market in 78055 posted values that fell 1.1% over the year, 1.9% off the recent peak (phase confidence 20/100). Falling values surface more motivated sellers and below-market exits.

Vacancy runs 30.1%, above the national norm and a classic distress-and-opportunity signal. The poverty rate is 26.1% — high, a tax-stress and distress correlate. Around 6% of renters are cost-burdened. The demographic-stress sub-score lands at 30/100. The typical home is worth about $266,500 (3.4× income, relatively affordable). Around 19% of adults hold a bachelor's degree or higher. Households earn a median $71,635 — near the roughly $78,000 national figure. The ZIP holds roughly 1,018 housing units. The tenure split is 78% owner-occupied to 22% rented. Population is roughly 1,918 with a median age of 63.

Taken together, 78055 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Because one deterministic model scores every ZIP, 78055's 24/100 can be lined up against any neighbor in Bandera County, Texas or any ZIP coast to coast. Where the public record is thin for 78055, the field stays empty rather than modeled, and fills in as new documents post.

78055's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Practically, 78055 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.