ZIP 78640 Property Distress & Foreclosure Data

Composite property distress in 78640 (Hays County, Texas) lands at 28/100 — low on DLRadar's public-record scoring. The sharpest non-environmental signals are construction/permit lag (62/100), structural risk (60/100), institutional ownership (46/100). On the quiet end sit mortgage stress (17/100). Environmental exposure also runs high (climate & FEMA risk (89/100)). On the structural side it scores 60/100, with 5/100 of stress already active.

The recovery-phase market in 78640 posted values that held roughly flat over the year, 2.1% off the recent peak, and 12% lower over three years (phase confidence 6/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Median household income is $88,533, above the U.S. median near $78,000. Owners hold 72% of homes, renters 28%. 9.2% of residents fall below the poverty threshold. The ZIP holds roughly 28,135 housing units. Population is roughly 71,460 with a median age of 33. Educational attainment sits at 29% bachelor's-or-above. Home values center near $330,400, an affordability ratio of 3.3× — accessible. DLRadar's demographic-stress index for the area reads 30/100. Around 46% of renters are cost-burdened. The vacancy rate is 3.5%.

On balance 78640 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.