ZIP 78737 Foreclosure, Tax-Lien & Distress Report

ZIP 78737's composite property-distress score is 30/100 - DLRadar classes that as moderate for Hays County, Texas. The latent-versus-live split is 66/100 structural and 6/100 already moving. What sets it apart are the readings on construction/permit lag (69/100), structural risk (66/100), institutional ownership (47/100). By contrast, mortgage stress (19/100) register low. Environmental exposure also runs high (climate & FEMA risk (93/100)).

Prices here sit in a contraction phase: values held roughly flat over the trailing year, 2.0% off the recent peak, and 5% lower over three years, at 5/100 phase confidence. Falling values surface more motivated sellers and below-market exits.

Home values center near $765,000, an affordability ratio of 4.2×. At $164,066, median income runs above typical U.S. levels. The ZIP holds roughly 9,406 housing units. On demographic stress specifically, 78737 scores 25/100. 26,413 residents call 78737 home, typically aged 39. Around 36% of renters are cost-burdened. The vacancy rate is 3.5%. The poverty rate is 4.8% — low. The tenure split is 88% owner-occupied to 12% rented. About 64% have a four-year degree.

Taken together, 78737 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. There is no property file for 78737 at the moment; the composite and its components are still built from verifiable public records.

Whether 78737 runs hot or quiet, its 30/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 78737 can be compared directly against any other ZIP in Hays County, Texas or nationwide. Nothing here is interpolated — where a source is thin for 78737, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 78737 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 30/100 roll-up. For an operator, 78737 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.