ZIP 78640 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 78640 (Hays County, Texas) returns a low composite of 27/100. Its standout signals are construction/permit lag (59/100), structural risk (58/100), institutional ownership (42/100). By contrast, mortgage stress (17/100) register low. Climate and flood risk are elevated too — climate & FEMA risk (89/100). Structural risk reads 58/100 against active distress of 5/100.

The contraction-phase market in 78640 posted values that held roughly flat over the year, 2.0% off the recent peak, and 12% lower over three years (phase confidence 5/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

Households earn a median $88,533 — above the roughly $78,000 national figure. Owners hold 72% of homes, renters 28%. The poverty rate is 9.2%. There are about 28,135 housing units across 78640. 71,460 residents call 78640 home, typically aged 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. Rent burden reaches 46% of tenant households. The vacancy rate is 3.5%.

On the whole, 78640 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Big metro or rural, 78640 runs through one identical public-record model, so its 27/100 sits on the same scale as every other ZIP in Hays County, Texas and the nation. Every figure is auditable to a public dataset and refreshed on ingest; 78640 shows blanks, not estimates, wherever the record is sparse.

78640's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. In workflow terms, 78640 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.