ZIP 78070 Foreclosure, Tax-Lien & Distress Report
Comal County, Texas · Cooling Market market
DLRadar grades ZIP 78070 (Comal County, Texas) at a moderate 30/100 for overall property distress. Climate and flood risk are elevated too — climate & FEMA risk (86/100), flood (NFIP) exposure (73/100). Leading the profile are structural risk (66/100), construction/permit lag (57/100), institutional ownership (47/100). On the quiet end sit mortgage stress (9/100). Structural risk reads 66/100 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 30/100 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.
ZIP 78070 distress signals, scored
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
The 78070 distress snapshot
78070 live: composite distress, market phase, housing detail and lender pressure, identical to the per-property report.
Adjacent Comal County ZIP reports
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Rules-based scoring — each signal ties to a public dataset · methodology