ZIP Code Report · 2026-10-28
ZIP 78028 Foreclosure & Distressed-Property Data
Property-related court filings in ZIP 78028, Texas, in Kerr County. Foreclosure, probate, divorce, and partition cases. These are the early-stage filings that precede MLS listings by months or years.
Based on public court filings, analyzed by Keystone. As of October 2026.
- 87.1% Probate / Estate, the dominant filing category in ZIP 78028.
Filing type breakdown
| Lead type | Share |
|---|---|
| Probate / Estate | 87.1% |
| Divorce | 12.9% |
Related areas
ZIP 78028 falls within Kerr County, Texas. Full county-level analysis: Kerr County subscription page.
Nearby ZIPs in Texas: 78023 · 78015 · 78073 · 78102 · 78109.
The foreclosure process
Before a lender can begin a foreclosure on a primary residence, federal servicing rules generally require the borrower to be more than 120 days delinquent (12 CFR 1024.41(f)). States then follow either a judicial process, where the lender sues in court, or a non-judicial (power of sale) process run by a trustee under the deed of trust. Judicial vs non-judicial foreclosure explains the difference.
Read more: Texas foreclosure timeline and the foreclosure timeline by state.
Kerr County at a glance (public statistics)
County seat: Kerrville.
| Measure | Value | Source |
|---|---|---|
| Population | 53,166 | Census |
| Housing units | 25,439 | Census |
| Homes that are owner-occupied | 70% | Census |
| Median home value | $285K | Census |
| Housing units that are vacant (U.S.: 10%) | 12% | Census |
| Homes that are single-family detached (U.S.: 61%) | 66% | Census |
| Homes built before 1940 (U.S.: 12%) | 3% | Census |
| Residents aged 65 or older (U.S.: 17%) | 29% | Census |
| Owner-occupied homes with no mortgage (owned free and clear) (U.S.: 39%) | 58% | Census |
| Median age of residents (U.S.: 38.9) | 48.6 | Census |
| HUD Fair Market Rent, 2-bedroom, monthly (Kerr County, TX) | $1,156 | HUD |
| HUD Fair Market Rent, 3-bedroom, monthly (Kerr County, TX) | $1,513 | HUD |
| New housing units permitted in 2025 | 179 | Census |
| Change in units permitted, 2024 to 2025 | -56% | Census |
Sources: U.S. Census Bureau American Community Survey and Building Permits Survey; HUD Fair Market Rents.
Related guides
Frequently asked questions
What court filings does Keystone Court Data cover in ZIP code 78028?+
Keystone Court Data covers property-related court filings in ZIP code 78028, Texas (Kerr County), including: Probate / Estate, Divorce. New filings are added as they are recorded.
What types of court cases are most common in ZIP 78028?+
In ZIP 78028, the filing breakdown is: Probate / Estate (87.1%); Divorce (12.9%).
New court records for ZIP 78028
Subscribe to Kerr County on Keystone Court Data to receive new property-related Texas court filings, including filings in ZIP 78028. Delivered from the day of filing. 7-day free trial.
View Kerr County availabilityCite: Keystone Court Data, "ZIP 78028 Foreclosure & Distressed-Property Data," 2026-10-28, https://keystonecourtdata.com/reports/78028-foreclosure-data