Baylor County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Baylor County, Texas? DLRadar grades every Baylor County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 18/100. Here is the 2026 Baylor County breakdown.
- Baylor County's most distressed ZIP is 76360 at 18/100.
- 2 ZIP codes tracked in Baylor County, averaging 13/100 distress.
- Baylor County reads peak — home values up 2.0% year over year.
- Vacancy runs 28% across Baylor County's tracked ZIPs, with a 19.8% poverty rate.
- The typical Baylor County home is worth about $86,250 against a ~$52,744 median income.
- Lending headwind in Baylor County sits at 17/100 — a forward read on distressed supply.
Based on DLRadar's public-record distress index, updated every month. Free to cite with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 76360 | 18/100 |
| 2 | 76380 | 7/100 |
Most distressed ZIP codes in Baylor County (composite distress 0-100, 2026)
What is driving Baylor County distress
Nothing here is estimated: Baylor County is scored from filings alone, and its ZIPs average 13/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Baylor County market phase and pricing
Phase for Baylor County: peak (+2.0% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Baylor County
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Frequently asked
Which Baylor County ZIP scores worst for distress?
ZIP 76360 leads Baylor County at 18/100, recomputed monthly from public records.
How would you describe the Baylor County market phase?
Baylor County is classified peak with a 2.0% year-over-year increase, following the FHFA House Price Index.
Where does the Baylor County data come from?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 2 Baylor County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Baylor County ZIP codes?
A county average hides the spread. Across the Baylor County ZIPs DLRadar ranks, scores run from 18/100 in 76360 down to 7/100 in 76380, against a Baylor County average of 13/100. Because the gap runs to 11 points, Baylor County rewards ZIP-level precision.
What do Baylor County home values and vacancy say about distressed supply?
The typical Baylor County home carries about $86,250 of value against a median household income near $52,744. Vacancy across Baylor County's tracked ZIPs runs 28% and the poverty rate is 19.8%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Baylor County's foreclosure and lien filings and its 17/100 lending headwind.
Related
These scores come from public filings run through fixed formulas. Nothing here is investment, legal or financial advice; the index refreshes monthly.