ZIP 78620 Property Distress & Foreclosure Data

In Hays County, Texas, ZIP 78620 scores 29 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are construction/permit lag (63/100), structural risk (61/100), institutional ownership (48/100). mortgage stress (18/100) stay muted. The latent-versus-live split is 61/100 structural and 5/100 already moving. Climate and flood risk are elevated too — climate & FEMA risk (89/100).

Prices here sit in a recovery phase: values rose 0.6% over the trailing year, 2.0% off the recent peak, and 1% lower over three years (phase confidence 7/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Households earn a median $146,551 — above the roughly $78,000 national figure. On demographic stress specifically, 78620 scores 27/100. Around 42% of renters are cost-burdened. The vacancy rate is 5.0%. Roughly 4.9% live below the poverty line, a low share typical of higher-equity areas. The ZIP holds roughly 8,664 housing units. About 62% have a four-year degree. 20,624 residents call 78620 home, typically aged 43. A median home runs $676,500 here, or 4.3 times local income. The tenure split is 86% owner-occupied to 14% rented.

Overall, 78620 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.