ZIP 78728 Foreclosure, Tax-Lien & Distress Report
Travis County, Texas · Cooling Market market
ZIP 78728's composite property-distress score is 35/100 - DLRadar classes that as moderate for Travis County, Texas. Climate and flood risk are elevated too — climate & FEMA risk (97/100), flood (NFIP) exposure (93/100). What sets it apart are the readings on construction/permit lag (79/100), structural risk (79/100), institutional ownership (55/100). By contrast, mortgage stress (22/100) register low. Latent structural risk is 79/100 while live distress already moving reads 7/100.
Prices here sit in a contraction phase: values held roughly flat over the trailing year, 2.0% off the recent peak, and 11% lower over three years, at 5/100 phase confidence. A cooling market tends to open discount-to-value windows.
Owners hold 29% of homes, renters 71%. The ZIP holds roughly 14,128 housing units. Population is roughly 26,776 with a median age of 34. Around 48% of adults hold a bachelor's degree or higher. Vacancy runs 6.7%. At $74,048, median income runs near typical U.S. levels. Home values center near $437,000, an affordability ratio of 5.3×. Around 35% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 37/100. 13.8% of residents fall below the poverty threshold.
On the whole, 78728 leans distressed, with opportunity clustered in specific stressed parcels. While 78728 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
The 78728 read uses the identical public-record model applied coast to coast, which means its 35/100 score means exactly what it means anywhere else, and 78728 stays directly comparable to neighboring ZIPs and the rest of Travis County, Texas. 78728 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
The 35/100 figure for 78728 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. In workflow terms, 78728 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
Signal-by-signal read on 78728
Tax-delinquent parcels, institutional ownership, insurance strain, flood risk, construction lag, price dislocation and auction speed — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
The 78728 distress snapshot
The live 78728 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
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Rules-based scoring — each signal ties to a public dataset · methodology