ZIP 78644 Property Distress & Foreclosure Data

DLRadar grades ZIP 78644 (Caldwell County, Texas) at a low 27/100 for overall property distress. Property-level stress concentrates in construction/permit lag (79/100), structural risk (59/100), institutional ownership (37/100). institutional ownership (37/100) and mortgage stress (14/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (77/100). On the structural side it scores 59/100, with 4/100 of stress already active.

Prices here sit in a recovery phase: values held roughly flat over the trailing year, 2.1% off the recent peak, and 4% higher over three years (phase confidence 6/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Roughly 13.7% live below the poverty line. The ZIP holds roughly 8,175 housing units. Households earn a median $72,155 — near the roughly $78,000 national figure. About 19% have a four-year degree. On demographic stress specifically, 78644 scores 32/100. 20,599 residents call 78644 home, typically aged 39. Around 43% of renters are cost-burdened. A median home runs $279,800 here, or 3.4 times local income. The vacancy rate is 7.8%. The tenure split is 72% owner-occupied to 28% rented.

Overall, 78644 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.