ZIP 78657 Property Distress & Foreclosure Data

In Llano County, Texas, ZIP 78657 scores 32 of 100 for composite distress, a moderate level on DLRadar's public-record index. Its standout signals are construction/permit lag (92/100), structural risk (72/100), institutional ownership (51/100). By contrast, mortgage stress (23/100) register low. The latent-versus-live split is 72/100 structural and 7/100 already moving. It additionally carries heavy environmental risk: flood (NFIP) exposure (88/100), climate & FEMA risk (67/100).

The market reads neutral — home values rose 4.3% year on year, and 44% higher over three years (phase confidence 24/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

At $93,699, median income runs above typical U.S. levels. The demographic-stress sub-score lands at 33/100. Around 47% of adults hold a bachelor's degree or higher. About 7,061 people live here, median age 60. The poverty rate is 5.0% — low. The typical home is worth about $483,200 (5.0× income). Around 35% of renters are cost-burdened. The ZIP holds roughly 5,385 housing units. 83% of housing is owner-occupied. The vacancy rate is 40.2% — elevated.

Net-net, 78657 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.