ZIP 78656 Foreclosure, Tax-Lien & Distress Report

ZIP 78656's composite property-distress score is 26/100 - DLRadar classes that as low for Caldwell County, Texas. Climate and flood risk are elevated too — climate & FEMA risk (78/100). Leading the profile are construction/permit lag (80/100), structural risk (58/100), institutional ownership (33/100). institutional ownership (33/100) and mortgage stress (14/100) stay muted. Latent structural risk is 58/100 while live distress already moving reads 4/100.

The contraction-phase market in 78656 posted values that held roughly flat over the year, 2.0% off the recent peak, at 5/100 phase confidence. Falling values surface more motivated sellers and below-market exits.

The ZIP holds roughly 987 housing units. Median household income is $78,058, near the U.S. median near $78,000. Home values center near $238,100, an affordability ratio of 2.5× — accessible. Around 30% of renters are cost-burdened. About 2,953 people live here, median age 33. The poverty rate is 7.3% — low. The tenure split is 64% owner-occupied to 36% rented. On demographic stress specifically, 78656 scores 27/100. The vacancy rate is 1.1%. About 11% have a four-year degree.

Net-net, 78656 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 78656 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 78656 runs hot or quiet, its 26/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 78656 can be compared directly against any other ZIP in Caldwell County, Texas or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 78656 shows blanks, not estimates, wherever the record is sparse.

Behind 78656's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Treat 78656 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.