ZIP 78639 Property Distress & Foreclosure Data

In Llano County, Texas, ZIP 78639 scores 32 of 100 for composite distress, a moderate level on DLRadar's public-record index. Its standout signals are construction/permit lag (92/100), structural risk (72/100), institutional ownership (51/100). By contrast, mortgage stress (23/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (87/100), climate & FEMA risk (66/100). The latent-versus-live split is 72/100 structural and 7/100 already moving.

The market reads neutral — home values rose 4.3% year on year, and 7% lower over three years (phase confidence 24/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The ZIP holds roughly 5,530 housing units. The poverty rate is 16.9% — high, a tax-stress and distress correlate. Around 37% of renters are cost-burdened. Around 28% of adults hold a bachelor's degree or higher. At $57,034, median income runs below typical U.S. levels. The vacancy rate is 28.9% — elevated. The demographic-stress sub-score lands at 35/100. About 8,517 people live here, median age 53. The typical home is worth about $245,500 (4.4× income). 74% of housing is owner-occupied.

Net-net, 78639 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.