ZIP 78130 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 78130 (Guadalupe County, Texas) returns a moderate composite of 33/100. The pressure is most legible in structural risk (72/100), construction/permit lag (63/100), institutional ownership (52/100). By contrast, mortgage stress (15/100) register low. Structurally it carries 72/100, against 5/100 of stress already in motion. It additionally carries heavy environmental risk: climate & FEMA risk (93/100), flood (NFIP) exposure (79/100), FEMA disaster exposure (63/100).

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. Falling values surface more motivated sellers and below-market exits.

Median household income is $84,426, near the U.S. median near $78,000. Around 34% of renters are cost-burdened. Roughly 6.8% live below the poverty line, a low share typical of higher-equity areas. Owners hold 66% of homes, renters 34%. Vacancy runs 9.0%. The ZIP holds roughly 44,789 housing units. Educational attainment sits at 35% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 28/100. Population is roughly 95,787 with a median age of 36. The typical home is worth about $323,200 (3.5× income, relatively affordable).

Net-net, 78130 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 78130 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Because one deterministic model scores every ZIP, 78130's 33/100 can be lined up against any neighbor in Guadalupe County, Texas or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 78130 reflects the current record instead of a stale or modeled snapshot.

Behind 78130'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. The point of the 78130 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.