ZIP 78642 Property Distress & Foreclosure Data

ZIP code 78642 in Williamson County, Texas carries a composite property-distress score of 35/100 — a moderate reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (82/100), structural risk (78/100), institutional ownership (55/100). By contrast, mortgage stress (20/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (94/100), climate & FEMA risk (90/100). The latent-versus-live split is 78/100 structural and 6/100 already moving.

The market reads recovery — home values rose 0.7% year on year, 1.9% off the recent peak, and 0% higher over three years (phase confidence 8/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The ZIP holds roughly 8,963 housing units. The typical home is worth about $506,600 (3.8× income, relatively affordable). The poverty rate is 3.3% — low. Around 16% of renters are cost-burdened. The vacancy rate is 5.0%. 86% of housing is owner-occupied. Around 43% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 23/100. At $128,086, median income runs above typical U.S. levels. About 24,146 people live here, median age 37.

Net-net, 78642 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.