ZIP 78063 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 78063 (Bandera County, Texas) at a moderate 32/100 for overall property distress. It additionally carries heavy environmental risk: flood (NFIP) exposure (80/100), FEMA disaster exposure (68/100), climate & FEMA risk (61/100). What sets it apart are the readings on construction/permit lag (100/100), structural risk (73/100), institutional ownership (54/100). On the quiet end sit mortgage stress (5/100). Structural risk reads 73/100 against active distress of 2/100.

Prices here sit in a contraction phase: values fell 1.2% over the trailing year, 2.0% off the recent peak, and 4% higher over three years (phase confidence 21/100). Falling values surface more motivated sellers and below-market exits.

About 10,594 people live here, median age 51. There are about 5,044 housing units across 78063. The vacancy rate is 17.4% — elevated. Households earn a median $79,066 — near the roughly $78,000 national figure. 13.9% of residents fall below the poverty threshold. Educational attainment sits at 28% bachelor's-or-above. Owners hold 92% of homes, renters 8%. Rent burden reaches 45% of tenant households. The typical home is worth about $304,700 (3.4× income, relatively affordable). DLRadar's demographic-stress index for the area reads 30/100.

Taken together, 78063 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 78063 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 78063 read uses the identical scoring model applied coast to coast, which means its 32/100 score means exactly what it means anywhere else, and 78063 stays directly comparable to neighboring ZIPs and the rest of Bandera County, Texas. Nothing here is interpolated — where a source is thin for 78063, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 32/100 figure for 78063 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. In workflow terms, 78063 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.