ZIP 78666 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 distress scale, ZIP 78666 in Hays County, Texas comes in at 28, a low composite-distress reading. Environmental exposure also runs high (climate & FEMA risk (91/100)). The latent-versus-live split is 60/100 structural and 5/100 already moving. What sets it apart are the readings on structural risk (60/100), construction/permit lag (56/100), institutional ownership (45/100). mortgage stress (17/100) stay muted.

The market reads contraction — home values fell 0.6% year on year, 1.3% off the recent peak, and 4% lower over three years, at 6/100 phase confidence. A cooling market tends to open discount-to-value windows.

The tenure split is 38% owner-occupied to 62% rented. The vacancy rate is 6.9%. 23.3% of residents fall below the poverty threshold. Around 35% of adults hold a bachelor's degree or higher. Households earn a median $55,478 — below the roughly $78,000 national figure. The demographic-stress sub-score lands at 41/100. The ZIP holds roughly 36,580 housing units. Home values center near $306,700, an affordability ratio of 4.9×. Rent burden reaches 53% of tenant households. About 87,775 people live here, median age 27.

Net-net, 78666 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 78666 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Because one deterministic model scores every ZIP, 78666's 28/100 can be lined up against any neighbor in Hays County, Texas or any ZIP coast to coast. Where the record is thin for 78666, the field stays empty rather than modeled, and fills in as new documents post.

78666's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Practically, 78666 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.