ZIP 78655 Property Distress & Foreclosure Data

Caldwell County, Texas's ZIP 78655 registers 29/100 composite distress, which DLRadar reads as low. The most distinctive pressure shows up in construction/permit lag (70/100), structural risk (64/100), institutional ownership (45/100). On the quiet end sit mortgage stress (17/100). On the structural side it scores 64/100, with 5/100 of stress already active. Environmental exposure also runs high (climate & FEMA risk (83/100), FEMA disaster exposure (64/100)).

The recovery-phase market in 78655 posted values that rose 1.0% over the year, 1.3% off the recent peak, and 30% higher over three years (phase confidence 8/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Median household income is $48,409, below the U.S. median near $78,000. Around 46% of renters are cost-burdened. Owners hold 64% of homes, renters 36%. Educational attainment sits at 21% bachelor's-or-above. 17.7% of residents fall below the poverty threshold. The vacancy rate is 4.6%. Population is roughly 3,687 with a median age of 47. DLRadar's demographic-stress index for the area reads 37/100. The ZIP holds roughly 1,433 housing units. Home values center near $269,900, an affordability ratio of 4.6×.

On balance 78655 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.