ZIP 78109 Foreclosure, Tax-Lien & Distress Report

ZIP code 78109 in Bexar County, Texas carries a composite property-distress score of 37/100 — a moderate reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (climate & FEMA risk (99/100), flood (NFIP) exposure (89/100), FEMA disaster exposure (71/100)). Structurally it carries 83/100, against 6/100 of stress already in motion. The most distinctive pressure shows up in construction/permit lag (84/100), structural risk (83/100), institutional ownership (58/100). By contrast, mortgage stress (20/100) register low.

Prices here sit in a contraction phase: values fell 1.2% over the trailing year, 2.0% off the recent peak, and 2% higher over three years, at 21/100 phase confidence. Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

Roughly 11.0% live below the poverty line. 56,372 residents call 78109 home, typically aged 33. Around 31% of adults hold a bachelor's degree or higher. Home values center near $252,500, an affordability ratio of 2.8× — accessible. Median household income is $87,635, above the U.S. median near $78,000. Owners hold 75% of homes, renters 25%. Rent burden reaches 44% of tenant households. Vacancy runs 1.8%. The demographic-stress sub-score lands at 28/100. There are about 21,507 housing units across 78109.

Net-net, 78109 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 78109 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

No ZIP is too small to score: 78109 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 37/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 78109 reflects the current record instead of a stale or modeled snapshot.

The 37/100 figure for 78109 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. For a buyer, 78109 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.