ZIP 78520 Property Distress & Foreclosure Data

ZIP code 78520 in Cameron County, Texas carries a composite property-distress score of 35/100 — a moderate reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (flood (NFIP) exposure (99/100), climate & FEMA risk (96/100), FEMA disaster exposure (81/100)). What sets it apart are the readings on structural risk (76/100), institutional ownership (65/100), construction/permit lag (46/100). On the quiet end sit mortgage stress (25/100). Structural risk reads 76/100 against active distress of 8/100.

The neutral-phase market in 78520 posted values that rose 3.0% over the year, and 15% higher over three years, at 23/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Home values center near $146,000, an affordability ratio of 2.7× — accessible. Rent burden reaches 40% of tenant households. Vacancy runs 11.1%. Owners hold 58% of homes, renters 42%. DLRadar's demographic-stress index for the area reads 34/100. Median household income is $47,331, below the U.S. median near $78,000. Population is roughly 63,337 with a median age of 32. 25.8% of residents fall below the poverty threshold. There are about 23,135 housing units across 78520. Educational attainment sits at 23% bachelor's-or-above.

On the whole, 78520 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.