ZIP 78154 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 78154 (Bexar County, Texas) lands at 36/100 — moderate on DLRadar's public-record scoring. The sharpest non-environmental signals are construction/permit lag (81/100), structural risk (80/100), institutional ownership (56/100). By contrast, mortgage stress (19/100) register low. Climate and flood risk are elevated too — climate & FEMA risk (96/100), flood (NFIP) exposure (84/100), FEMA disaster exposure (69/100). The split runs 80/100 structural to 6/100 active on the ground.

The contraction-phase market in 78154 posted values that fell 1.2% over the year, 2.0% off the recent peak, and 4% higher over three years, at 21/100 phase confidence. A cooling market tends to open discount-to-value windows.

Around 31% of renters are cost-burdened. 6.7% of residents fall below the poverty threshold. Median household income is $97,465, above the U.S. median near $78,000. Vacancy runs 4.4%. About 40% have a four-year degree. DLRadar's demographic-stress index for the area reads 25/100. Population is roughly 40,898 with a median age of 38. The ZIP holds roughly 16,332 housing units. The tenure split is 70% owner-occupied to 30% rented. The typical home is worth about $318,700 (3.0× income, relatively affordable).

Net-net, 78154 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 78154 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 78154 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 36/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 78154 shows as blanks, never estimates, and the score updates on every fresh public filing.

78154's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. In workflow terms, 78154 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.