ZIP 78501 Foreclosure, Tax-Lien & Distress Report

ZIP code 78501 in Hidalgo County, Texas carries a composite property-distress score of 37/100 — a moderate reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (98/100), flood (NFIP) exposure (97/100), FEMA disaster exposure (89/100). The latent-versus-live split is 82/100 structural and 8/100 already moving. The sharpest non-environmental signals are structural risk (82/100), institutional ownership (69/100), construction/permit lag (61/100). mortgage stress (25/100) stay muted.

Prices here sit in a expansion phase: values rose 5.7% over the trailing year, and 18% higher over three years, at 42/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

25.3% of residents fall below the poverty threshold. Rent burden reaches 46% of tenant households. Median household income is $49,451, below the U.S. median near $78,000. The vacancy rate is 13.2% — elevated. The demographic-stress sub-score lands at 35/100. Population is roughly 59,095 with a median age of 37. About 27% have a four-year degree. The typical home is worth about $161,000 (3.0× income, relatively affordable). There are about 25,121 housing units across 78501. The tenure split is 50% owner-occupied to 50% rented.

On the whole, 78501 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 78501 at the moment; the composite and its components are still built from verifiable public records.

No ZIP is too small to score: 78501 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 78501 reflects the current record instead of a stale or modeled snapshot.

Behind 78501'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. For a buyer, 78501 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.