ZIP 78620 Foreclosure, Tax-Lien & Distress Report

Hays County, Texas's ZIP 78620 registers 28/100 composite distress, which DLRadar reads as low. Property-level stress concentrates in construction/permit lag (63/100), structural risk (60/100), institutional ownership (44/100). mortgage stress (18/100) stay muted. On the structural side it scores 60/100, with 5/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (89/100).

Prices here sit in a contraction phase: values held roughly flat over the trailing year, 1.9% off the recent peak, and 1% lower over three years (phase confidence 3/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

Median household income is $146,551, above the U.S. median near $78,000. The demographic-stress sub-score lands at 27/100. Rent burden reaches 42% of tenant households. The vacancy rate is 5.0%. 4.9% of residents fall below the poverty threshold. The ZIP holds roughly 8,664 housing units. Educational attainment sits at 62% bachelor's-or-above. About 20,624 people live here, median age 43. A median home runs $676,500 here, or 4.3 times local income. The tenure split is 86% owner-occupied to 14% rented.

On the whole, 78620 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 78620 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 78620 runs hot or quiet, its 28/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 78620 can be compared directly against any other ZIP in Hays County, Texas or nationwide. Where the public record is thin for 78620, the field stays empty rather than modeled, and fills in as new documents post.

78620's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Practically, 78620 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.