ZIP 78628 Foreclosure, Tax-Lien & Distress Report

In Williamson County, Texas, ZIP 78628 scores 35 of 100 for composite distress, a moderate level on DLRadar's public-record index. It additionally carries heavy environmental risk: flood (NFIP) exposure (94/100), climate & FEMA risk (92/100). The split runs 78/100 structural to 6/100 active on the ground. The most distinctive pressure shows up in construction/permit lag (84/100), structural risk (78/100), institutional ownership (52/100). mortgage stress (20/100) stay muted.

Prices here sit in a contraction phase: values held roughly flat over the trailing year, 2.0% off the recent peak, and 5% lower over three years (phase confidence 5/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

The ZIP holds roughly 19,856 housing units. The poverty rate is 6.4% — low. Median household income is $117,198, above the U.S. median near $78,000. Educational attainment sits at 53% bachelor's-or-above. The demographic-stress sub-score lands at 28/100. Owners hold 75% of homes, renters 25%. A median home runs $496,600 here, or 4.0 times local income. 44,821 residents call 78628 home, typically aged 42. Rent burden reaches 45% of tenant households. The vacancy rate is 3.9%.

On the whole, 78628 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 78628 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 78628 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 35/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 78628 reflects the current record instead of a stale or modeled snapshot.

The 35/100 figure for 78628 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For a buyer, 78628 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.