ZIP 78070 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 78070 (Comal County, Texas) at a low 29/100 for overall property distress. Climate and flood risk are elevated too — climate & FEMA risk (86/100), flood (NFIP) exposure (75/100). Leading the profile are structural risk (64/100), construction/permit lag (50/100), institutional ownership (47/100). On the quiet end sit mortgage stress (9/100). Structural risk reads 64/100 against active distress of 3/100.

The contraction-phase market in 78070 posted values that fell 0.9% over the year, 1.8% off the recent peak, and 1% lower over three years (phase confidence 19/100). Falling values surface more motivated sellers and below-market exits.

About 19,836 people live here, median age 47. The vacancy rate is 5.7%. The tenure split is 91% owner-occupied to 9% rented. Rent burden reaches 39% of tenant households. A median home runs $516,600 here, or 4.1 times local income. The ZIP holds roughly 8,041 housing units. The demographic-stress sub-score lands at 28/100. At $115,076, median income runs above typical U.S. levels. Educational attainment sits at 41% bachelor's-or-above. Roughly 7.2% live below the poverty line, a low share typical of higher-equity areas.

Net-net, 78070 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 78070 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 78070 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 29/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 78070, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 78070'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. Practically, 78070 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.