ZIP 78616 Foreclosure, Tax-Lien & Distress Report

In Caldwell County, Texas, ZIP 78616 scores 25 of 100 for composite distress, a low level on DLRadar's public-record index. Structural risk reads 54/100 against active distress of 4/100. Environmental exposure also runs high (climate & FEMA risk (78/100)). Property-level stress concentrates in construction/permit lag (75/100), structural risk (54/100), institutional ownership (28/100). On the quiet end sit institutional ownership (28/100) and mortgage stress (12/100).

The contraction-phase market in 78616 posted values that held roughly flat over the year, 2.0% off the recent peak, and 26% higher over three years, at 5/100 phase confidence. Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

84% of housing is owner-occupied. Households earn a median $70,148 — near the roughly $78,000 national figure. 10,008 residents call 78616 home, typically aged 32. Vacancy runs 9.1%. Home values center near $211,500, an affordability ratio of 2.5× — accessible. The ZIP holds roughly 3,423 housing units. Educational attainment sits at 13% bachelor's-or-above. The demographic-stress sub-score lands at 30/100. Around 42% of renters are cost-burdened. The poverty rate is 14.6%.

Taken together, 78616 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 78616 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 78616 runs hot or quiet, its 25/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 78616 can be compared directly against any other ZIP in Caldwell County, Texas or nationwide. Where the public record is thin for 78616, the field stays empty rather than modeled, and fills in as new documents post.

The 25/100 for 78616 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. In workflow terms, 78616 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.