ZIP 78644 Foreclosure, Tax-Lien & Distress Report
Caldwell County, Texas · Cooling Market market
Caldwell County, Texas's ZIP 78644 registers 26/100 composite distress, which DLRadar reads as low. The most distinctive pressure shows up in construction/permit lag (81/100), structural risk (57/100), institutional ownership (33/100). By contrast, institutional ownership (33/100) and mortgage stress (14/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (77/100). The split runs 57/100 structural to 4/100 active on the ground.
Prices here sit in a contraction phase: values held roughly flat over the trailing year, 1.1% off the recent peak, and 4% higher over three years, at 5/100 phase confidence. A cooling market tends to open discount-to-value windows.
Roughly 13.7% live below the poverty line. There are about 8,175 housing units across 78644. Households earn a median $72,155 — near the roughly $78,000 national figure. About 19% have a four-year degree. DLRadar's demographic-stress index for the area reads 32/100. About 20,599 people live here, median age 39. Around 43% of renters are cost-burdened. A median home runs $279,800 here, or 3.4 times local income. Vacancy runs 7.8%. Owners hold 72% of homes, renters 28%.
Taken together, 78644 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 78644 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.
No ZIP is too small to score: 78644 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 26/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 78644, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
78644'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. Treat 78644 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.
Distress signal breakdown — ZIP 78644
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
ZIP 78644 Stress Report snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 78644, the same set carried on every parcel.
Adjacent Caldwell County ZIP reports
Nearest ZIP codes to 78644
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Related reports across Caldwell County, Texas
Other reports tied to Caldwell County, Texas — ZIP, county and statewide.
Unlock parcel-level detail for ZIP 78644
Open 78644 parcel by parcel: owner, address, APN, individual distress score, lender exposure, exit-velocity estimate, and owner and lender records in a single click. Updated continuously across the country.
Rules-based scoring — each signal ties to a public dataset · methodology