ZIP 78639 Foreclosure, Tax-Lien & Distress Report

Llano County, Texas's ZIP 78639 registers 28/100 composite distress, which DLRadar reads as low. What sets it apart are the readings on construction/permit lag (63/100), structural risk (63/100), institutional ownership (47/100). mortgage stress (23/100) stay muted. Climate and flood risk are elevated too — flood (NFIP) exposure (87/100), climate & FEMA risk (66/100). Structural risk reads 63/100 against active distress of 7/100.

The peak-phase market in 78639 posted values that rose 2.0% over the year, and 7% lower over three years, at 22/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

There are about 5,530 housing units across 78639. Roughly 16.9% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Around 37% of renters are cost-burdened. Educational attainment sits at 28% bachelor's-or-above. Households earn a median $57,034 — below the roughly $78,000 national figure. The vacancy rate is 28.9% — elevated. On demographic stress specifically, 78639 scores 35/100. About 8,517 people live here, median age 53. The typical home is worth about $245,500 (4.4× income). Owners hold 74% of homes, renters 26%.

Taken together, 78639 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 78639 is not published yet -- the ZIP-level readings above remain fully sourced.

Whether 78639 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 78639 can be compared directly against any other ZIP in Llano County, Texas or nationwide. Every figure is auditable to a public dataset and refreshed as records update; 78639 shows blanks, not estimates, wherever the record is sparse.

The 28/100 figure for 78639 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. Practically, 78639 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.