ZIP 78648 Property Distress & Foreclosure Data

In Caldwell County, Texas, ZIP 78648 scores 28 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are construction/permit lag (74/100), structural risk (62/100), institutional ownership (43/100). By contrast, mortgage stress (16/100) register low. On the structural side it scores 62/100, with 5/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (80/100), FEMA disaster exposure (61/100).

The market reads recovery — home values rose 1.0% year on year, 1.6% off the recent peak, and 10% higher over three years (phase confidence 9/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The demographic-stress sub-score lands at 33/100. About 8,022 people live here, median age 49. Around 12% of adults hold a bachelor's degree or higher. The typical home is worth about $217,500 (3.9× income, relatively affordable). Around 45% of renters are cost-burdened. 72% of housing is owner-occupied. At $56,533, median income runs below typical U.S. levels. The vacancy rate is 8.0%. The poverty rate is 9.1%. The ZIP holds roughly 3,509 housing units.

Net-net, 78648 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.