ZIP 78655 Foreclosure, Tax-Lien & Distress Report

ZIP code 78655 in Caldwell County, Texas carries a composite property-distress score of 29/100 — a low reading on DLRadar's deterministic distress index. Property-level stress concentrates in construction/permit lag (71/100), structural risk (63/100), institutional ownership (41/100). By contrast, mortgage stress (17/100) register low. On the structural side it scores 63/100, with 5/100 of stress already active. Climate and flood risk are elevated too — climate & FEMA risk (83/100).

The contraction-phase market in 78655 posted values that fell 0.8% over the year, 1.5% off the recent peak, and 30% higher over three years, at 10/100 phase confidence. Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

Median household income is $48,409, below the U.S. median near $78,000. Rent burden reaches 46% of tenant households. Owners hold 64% of homes, renters 36%. Around 21% of adults hold a bachelor's degree or higher. The poverty rate is 17.7% — high, a tax-stress and distress correlate. The vacancy rate is 4.6%. Population is roughly 3,687 with a median age of 47. The demographic-stress sub-score lands at 37/100. The ZIP holds roughly 1,433 housing units. The typical home is worth about $269,900 (4.6× income).

Net-net, 78655 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The number is not local guesswork: 78655's 29/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Sparse data for 78655 shows as blanks, never estimates, and the score updates on every fresh public filing.

78655's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. In workflow terms, 78655 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.