ZIP 78666 Property Distress & Foreclosure Data

In Hays County, Texas, ZIP 78666 scores 29 of 100 for composite distress, a low level on DLRadar's public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (91/100). On the structural side it scores 63/100, with 5/100 of stress already active. Its standout signals are construction/permit lag (63/100), structural risk (63/100), institutional ownership (47/100). By contrast, mortgage stress (17/100) register low.

The market reads recovery — home values rose 0.7% year on year, 1.7% off the recent peak, and 4% lower over three years (phase confidence 7/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

38% of housing is owner-occupied. The vacancy rate is 6.9%. The poverty rate is 23.3% — high, a tax-stress and distress correlate. Around 35% of adults hold a bachelor's degree or higher. At $55,478, median income runs below typical U.S. levels. The demographic-stress sub-score lands at 41/100. The ZIP holds roughly 36,580 housing units. The typical home is worth about $306,700 (4.9× income). Around 53% of renters are cost-burdened. 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. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.