Bell County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Bell County, Texas? DLRadar grades every Bell County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 34/100. Here is the 2026 Bell County breakdown.
- Bell County's most distressed ZIP is 76527 at 34/100.
- 23 ZIP codes tracked in Bell County, averaging 31/100 distress.
- Bell County reads recovery — home values up 1.1% year over year, 1.1% off peak.
- Vacancy runs 11.6% across Bell County's tracked ZIPs, with a 12.6% poverty rate.
- The typical Bell County home is worth about $228,123 against a ~$68,779 median income.
- Lending headwind in Bell County sits at 61/100 — a forward read on distressed supply.
Data: DLRadar public-record property-distress index, refreshed monthly. Free to cite with attribution to DLRadar (dlradar.com) — a link back is appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 76527 | 34/100 |
| 2 | 76542 | 34/100 |
| 3 | 76511 | 33/100 |
| 4 | 76501 | 32/100 |
| 5 | 76502 | 32/100 |
| 6 | 76504 | 32/100 |
| 7 | 76513 | 32/100 |
| 8 | 76534 | 32/100 |
| 9 | 76541 | 32/100 |
| 10 | 76543 | 32/100 |
| 11 | 76548 | 32/100 |
| 12 | 76549 | 32/100 |
Most distressed ZIP codes in Bell County (composite distress 0-100, 2026)
What is driving Bell County distress
DLRadar builds Bell County's distress picture only from records anyone can pull; its ZIPs average 31/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Bell County market phase and pricing
The cycle in Bell County is recovery, with values up 1.1% year over year and 1.1% below peak. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
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Questions and answers
Which part of Bell County, TX scores highest for distress?
ZIP 76527 leads Bell County at 34/100, recomputed monthly from public records.
What stage of the price cycle is Bell County at?
Bell County is classified recovery with a 1.1% year-over-year increase, following the FHFA House Price Index.
What is this Bell County analysis built from?
Bell County draws on FHFA (recovery trajectory), CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS — every one a public source. The scoring model does not change between counties, so these 23 ZIPs are comparable to anywhere else.
How much do distress scores vary between Bell County ZIP codes?
A county average hides the spread. Across the Bell County ZIPs DLRadar ranks, scores run from 34/100 in 76527 down to 32/100 in 76549, against a Bell County average of 31/100. With 2 points between best and worst, county-level targeting in Bell County wastes effort.
What do Bell County home values and vacancy say about distressed supply?
The typical Bell County home carries about $228,123 of value against a median household income near $68,779. Vacancy across Bell County's tracked ZIPs runs 11.6% and the poverty rate is 12.6%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Bell County's foreclosure and tax-lien filings and its 61/100 lending headwind.
Related
A deterministic scoring of public filings. Nothing on this page constitutes investment, legal or financial advice. Monthly refresh from the live index.