ZIP 78656 Property Distress & Foreclosure Data

ZIP code 78656 in Caldwell County, Texas carries a composite property-distress score of 27/100 — a low reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — climate & FEMA risk (78/100). What sets it apart are the readings on construction/permit lag (76/100), structural risk (58/100), institutional ownership (37/100). institutional ownership (37/100) and mortgage stress (14/100) stay muted. Structural risk reads 58/100 against active distress of 4/100.

Prices here sit in a recovery phase: values held roughly flat over the trailing year, 2.1% off the recent peak, at 6/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

There are about 987 housing units across 78656. Households earn a median $78,058 — near the roughly $78,000 national figure. A median home runs $238,100 here, or 2.5 times local income. Rent burden reaches 30% of tenant households. 2,953 residents call 78656 home, typically aged 33. Roughly 7.3% live below the poverty line, a low share typical of higher-equity areas. The tenure split is 64% owner-occupied to 36% rented. On demographic stress specifically, 78656 scores 27/100. Vacancy runs 1.1%. About 11% have a four-year degree.

Overall, 78656 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.