Bandera County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Bandera County, TX distress report, 2026: 7 ZIPs scored in Bandera, TX, Bandera, TX average 31/100; the top Bandera, TX ZIP is 78023 at 35/100; Bandera, TX market phase contraction, Bandera, TX prices -1.2% year over year.
- Bandera, TX ranks #334 nationally (opportunity index); Bandera, TX #50 in Texas; Bandera, TX index 34.5.
- Bandera, TX: no CFPB county sample; Bandera, TX metro area reading 1.4%.
- Bandera, TX ZIP phases: 7 contraction.
- Bandera, TX residential listings tracked: 18 across 6 ZIPs; Bandera, TX candidate listings 9.
- Bandera, TX HUD assisted properties: 1 with 76 units.
- Bandera, TX lenders on watch: 3; largest Bandera, TX footprint Txn Bank (1 branch).
- Bandera, TX most distressed ZIP: 78023 at 35/100.
Bandera, TX figures: DLRadar distress index; Bandera, TX inputs: CFPB, FHFA, HUD, FDIC; Bandera, TX rebuilt as sources refresh.
| Rank | Bandera, TX ZIP | Score |
|---|---|---|
| 1 | 78023 | 35/100 |
| 2 | 78063 | 32/100 |
| 3 | 78883 | 32/100 |
| 4 | 78885 | 32/100 |
| 5 | 78055 | 31/100 |
| 6 | 78003 | 29/100 |
| 7 | 78884 | 26/100 |
Most distressed Bandera, TX ZIPs (0-100, 2026)
Mortgage delinquency around Bandera, TX
No CFPB county sample covers Bandera, TX; the metro area reading for Bandera, TX (San Antonio-New Braunfels, TX): 1.4% ninety-plus; Bandera, TX area thirty-to-eighty-nine 3.0% (December 2025, Bandera, TX); Texas overall 1.2%.
Opportunity index: Bandera, TX
Bandera, TX index 34.5, Bandera, TX phase peak_opportunity; Bandera, TX primary driver vacancy, Bandera, TX second driver construction. Bandera, TX components: property stress 24.4, foreclosure pressure 24.9, listing discounts 36.1, bank stress 40.3, insurance 0.0; Bandera, TX pulse 36.7; Bandera, TX capital opportunity 31.3; Bandera, TX seven-day change -0.2%.
ZIP market phases inside Bandera, TX
7 Bandera, TX ZIPs carry a price-cycle phase; Bandera, TX ZIPs by phase (Bandera, TX), deepest drawdown first: contraction, -1.2% YoY, 2.0% off peak (Bandera, TX): 78003, 78023, 78883, 78885, Bandera, TX 78063; contraction, -1.1% YoY, 1.9% off peak (Bandera, TX): 78055; contraction, -0.4% YoY, 1.2% off peak (Bandera, TX): 78884.
Residential listings by Bandera, TX ZIP
Bandera, TX ZIPs with the most tracked Bandera, TX residential listings: 78003 9 listings, 3 candidates, bank pressure 57; 78063 9 listings, 6 candidates, bank pressure 59; 78055 0 listings, 0 candidates, bank pressure 59; 78883 0 listings, 0 candidates, bank pressure 55 (Bandera, TX); 78884 0 listings, 0 candidates, bank pressure 60; 78885 0 listings, 0 candidates, bank pressure 55. Bandera, TX totals: 18 listings; Bandera, TX candidates 9; active ZIPs 0.
HUD assisted housing in Bandera, TX
1 assisted properties with 76 units sit in Bandera, TX; largest Bandera, TX properties: Oaks Of Bandera Apts (Bandera) 76 units.
Lenders with branches in Bandera, TX
Bandera, TX lenders by branch count: Txn Bank (Bandera, TX): stress 79, 1 branch moderate in Bandera, TX; Bandera Bank (Bandera, TX): stress 40, 1 branch low in Bandera, TX; Prosperity Bank (Bandera, TX): stress 33, 1 branch low in Bandera, TX.
Vacancy and permits, Bandera, TX
2,330 of 11,585 Bandera, TX housing units are vacant; Bandera, TX permits, twelve months: 0 multifamily units in Bandera, TX, 1 one-to-four unit units.
Work Bandera, TX at the parcel level
Every Bandera, TX parcel carries owner and address; every Bandera, TX parcel carries APN; Bandera, TX distress scores sit on the Bandera, TX live board.
Bandera, TX figures refresh with each source.
Bandera, TX questions
Most distressed ZIP code in Bandera County, TX?
ZIP 78023 leads Bandera, TX at 35/100; next in Bandera, TX: 78063 at 32/100; the Bandera, TX average is 31/100.
Where does Bandera County, TX rank for investment opportunity?
Bandera, TX is #334 among all ranked counties, #50 in Texas; the Bandera, TX driver is vacancy; Bandera, TX moved up 386 places.
How many mortgages are delinquent in Bandera County, TX?
Bandera, TX takes the metro area reading of 1.4% for December 2025; no CFPB county sample covers Bandera, TX.
Which banks lend in Bandera County, TX?
3 watched lenders hold Bandera, TX branches; the largest Bandera, TX footprints are Txn Bank (1), Bandera Bank (1), Prosperity Bank (1).
More on Bandera, TX
Bandera County, TX distress report: public-record figures for Bandera, TX; not legal advice for Bandera, TX; not tax or investment advice; verify every Bandera, TX record before acting.