ZIP 78676 Foreclosure, Tax-Lien & Distress Report
Hays County, Texas · Cooling Market market
Scored purely from public records, 78676 (Hays County, Texas) returns a low composite of 27/100. The latent-versus-live split is 57/100 structural and 5/100 already moving. It additionally carries heavy environmental risk: climate & FEMA risk (87/100). Its standout signals are construction/permit lag (57/100), structural risk (57/100), institutional ownership (43/100). mortgage stress (17/100) stay muted.
The contraction-phase market in 78676 posted values that held roughly flat over the year, 1.8% off the recent peak, and 5% lower over three years (phase confidence 3/100). A cooling market tends to open discount-to-value windows.
About 15,896 people live here, median age 49. Educational attainment sits at 50% bachelor's-or-above. There are about 7,576 housing units across 78676. At $86,819, median income runs near typical U.S. levels. The typical home is worth about $511,600 (5.5× income). Vacancy runs 10.9%. Roughly 13.8% live below the poverty line. Rent burden reaches 47% of tenant households. 79% of housing is owner-occupied. The demographic-stress sub-score lands at 35/100.
Net-net, 78676 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 78676 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
No ZIP is too small to score: 78676 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 27/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 78676, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
The 27/100 for 78676 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For an operator, 78676 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Distress signal breakdown — ZIP 78676
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
Snapshot: 78676 by the numbers
A live read on 78676: distress, market phase, housing and bank pressure — identical to the report behind every parcel.
Hays County ZIPs near 78676
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Rules-based scoring — each signal ties to a public dataset · methodology