Bandera County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Bandera County, Texas? DLRadar grades every Bandera County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 36/100. Here is the 2026 Bandera County breakdown.
- Bandera County's most distressed ZIP is 78023 at 36/100.
- 7 ZIP codes tracked in Bandera County, averaging 26/100 distress.
- Bandera County reads contraction — home values down 1.2% year over year, 2.0% off peak.
- Vacancy runs 32% across Bandera County's tracked ZIPs, with a 9.9% poverty rate.
- The typical Bandera County home is worth about $321,333 against a ~$102,018 median income.
- Lending headwind in Bandera County sits at 52/100 — a forward read on distressed supply.
Compiled from the DLRadar property-distress index and refreshed monthly. Cite with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 78023 | 36/100 |
| 2 | 78063 | 26/100 |
| 3 | 78883 | 26/100 |
| 4 | 78885 | 26/100 |
| 5 | 78003 | 24/100 |
| 6 | 78055 | 24/100 |
| 7 | 78884 | 21/100 |
Most distressed ZIP codes in Bandera County (composite distress 0-100, 2026)
What is driving Bandera County distress
Bandera County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 26/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Bandera County market phase and pricing
The cycle in Bandera County is contraction, with values down 1.2% year over year and 2.0% below peak. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Bandera County
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Frequently asked
What is the hardest-hit ZIP in Bandera County?
ZIP 78023 leads Bandera County at 36/100, recomputed monthly from public records.
What stage of the price cycle is Bandera County at?
Phase for Bandera County: contraction, tracking a 1.2% decline year over year, read off the FHFA index.
Where does the Bandera County data come from?
Each Bandera County number can be traced back to a federal or county source — FHFA, CFPB, the recorder, FEMA/NFIP and Census ACS. One deterministic model covers all 7 local ZIPs and every other county in the country.
How much do distress scores vary between Bandera County ZIP codes?
Averaging the county conceals how uneven it is. Across the Bandera County ZIPs DLRadar ranks, scores run from 36/100 in 78023 down to 21/100 in 78884, against a Bandera County average of 26/100. That 15-point gap is why acquisition targeting in Bandera County works at ZIP level rather than county level.
What do Bandera County home values and vacancy say about distressed supply?
The typical Bandera County home carries about $321,333 of value against a median household income near $102,018. Vacancy across Bandera County's tracked ZIPs runs 32% and the poverty rate is 9.9%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Bandera County's foreclosure and tax-lien filings and its 52/100 lending headwind.
Related
Scores here are computed from public records by fixed formulas. Nothing on this page is investment, legal or financial advice; the index refreshes monthly.