Bell County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Bell County, TX distress report, 2026: 23 ZIPs scored in Bell, TX, Bell, TX average 31/100; the top Bell, TX ZIP is 76527 at 35/100; Bell, TX market phase recovery, Bell, TX prices +1.1% year over year.
- Bell, TX ranks #1,147 nationally (opportunity index); Bell, TX #120 in Texas; Bell, TX index 30.7.
- Bell, TX ninety-day mortgage delinquency 1.2% in December 2025; Bell, TX twelve-month change +0.1%.
- Bell, TX ZIP phases: 17 recovery, 4 peak, 1 contraction, 1 neutral.
- Bell, TX residential listings tracked: 371 across 17 ZIPs; Bell, TX candidate listings 80.
- Bell, TX HUD assisted properties: 18 with 2,307 units.
- Bell, TX lenders on watch: 8; largest Bell, TX footprint First National Bank Texas (18 branches).
- Bell, TX most distressed ZIP: 76527 at 35/100.
Bell, TX figures: DLRadar distress index; Bell, TX inputs: CFPB, FHFA, HUD, FDIC; Bell, TX rebuilt as sources refresh.
| Rank | Bell, TX ZIP | Score |
|---|---|---|
| 1 | 76527 | 35/100 |
| 2 | 76511 | 33/100 |
| 3 | 76542 | 33/100 |
| 4 | 76501 | 32/100 |
| 5 | 76502 | 32/100 |
| 6 | 76504 | 32/100 |
| 7 | 76513 | 32/100 |
| 8 | 76541 | 32/100 |
| 9 | 76543 | 32/100 |
| 10 | 76548 | 32/100 |
| 11 | 76549 | 32/100 |
| 12 | 76554 | 32/100 |
Most distressed Bell, TX ZIPs (0-100, 2026)
Mortgage delinquency in Bell, TX
1.2% of Bell, TX mortgages were ninety-plus days late (Bell, TX, December 2025); Bell, TX thirty-to-eighty-nine days late: 2.7%; Bell, TX twelve-month change +0.1%; Bell, TX peak since 2008: 3.4% (February 2013); Texas overall 1.2%. Bell, TX ninety-day series: Dec 24 1.1, Jan 25 1.2, Feb 25 1.3 (Bell, TX), Mar 25 1.3, Apr 25 1.0, May 25 1.1 (Bell, TX), Jun 25 1.2, Jul 25 1.1, Aug 25 1.1 (Bell, TX), Sep 25 1.2, Oct 25 1.0, Nov 25 1.1 (Bell, TX), Dec 25 1.2.
Opportunity index: Bell, TX
Bell, TX index 30.7, Bell, TX phase watchlist; Bell, TX primary driver construction, Bell, TX second driver bank institutional. Bell, TX components: property stress 15.2, foreclosure pressure 15.4, listing discounts 39.1, bank stress 60.7, insurance 0.0; Bell, TX pulse 33.3; Bell, TX capital opportunity 26.7.
ZIP market phases inside Bell, TX
23 Bell, TX ZIPs carry a price-cycle phase; Bell, TX ZIPs by phase (Bell, TX), deepest drawdown first: peak, +1.5% YoY, 1.9% off peak (Bell, TX): 76570; neutral, +1.1% YoY, 1.8% off peak (Bell, TX): 76557; recovery, +1.1% YoY, 1.3% off peak (Bell, TX): 76579; recovery, +1.1% YoY, 1.1% off peak (Bell, TX): 76544, 76501, 76502, 76504, Bell, TX 76513, 76528, 76541, 76542, Bell, TX 76543, 76548, 76554, 76559, Bell, TX 76571.
Residential listings by Bell, TX ZIP
Bell, TX ZIPs with the most tracked Bell, TX residential listings: 76549 73 listings, 21 candidates, bank pressure 58; 76542 62 listings, 8 candidates, bank pressure 58; 76502 59 listings, 16 candidates, bank pressure 58; 76543 40 listings, 8 candidates, bank pressure 58 (Bell, TX); 76513 38 listings, 4 candidates, bank pressure 58; 76548 32 listings, 10 candidates, bank pressure 58; 76504 21 listings, 6 candidates, bank pressure 58; 76501 16 listings, 3 candidates, bank pressure 58. Bell, TX totals: 371 listings; Bell, TX candidates 80; active ZIPs 14.
HUD assisted housing in Bell, TX
18 assisted properties with 2,307 units sit in Bell, TX; largest Bell, TX properties: Legacy Landing Apts (Belton) 224 units; Bell Tower Apartments (Temple) 216 units; Colonial Crossing (Belton) 208 units in Bell, TX; Ariza Temple (Temple) 199 units; Encore Landing (Temple) 180 units; Brookside Apts (Killeen) 176 units.
Lenders with branches in Bell, TX
Bell, TX lenders by branch count: First National Bank Texas (Bell, TX): stress 77, 18 branches low in Bell, TX; Extraco Banks National Assn (Bell, TX): stress 80, 7 branches low in Bell, TX; Verabank National Assn (Bell, TX): stress 53, 4 branches low in Bell, TX; Horizon Bank Ssb (Bell, TX): stress 63, 3 branches low in Bell, TX; First Texas Bank (Bell, TX): stress 50, 3 branches low in Bell, TX; Security Bank Of Texas (Bell, TX): stress 64, 2 branches low in Bell, TX; Alliance Bank Central Texas (Bell, TX): stress 65, 1 branch low in Bell, TX; Central National Bank (Bell, TX): stress 54, 1 branch low in Bell, TX.
Vacancy and permits, Bell, TX
12,713 of 155,018 Bell, TX housing units are vacant; Bell, TX permits, twelve months: 157 multifamily units in Bell, TX, 2,488 one-to-four unit units.
Work Bell, TX at the parcel level
Every Bell, TX parcel carries owner and address; every Bell, TX parcel carries APN; Bell, TX distress scores sit on the Bell, TX live board.
Bell, TX figures refresh with each source.
Bell, TX questions
Most distressed ZIP code in Bell County, TX?
ZIP 76527 leads Bell, TX at 35/100; next in Bell, TX: 76511 at 33/100; the Bell, TX average is 31/100.
Where does Bell County, TX rank for investment opportunity?
Bell, TX is #1,147 among all ranked counties, #120 in Texas; the Bell, TX driver is construction; Bell, TX moved up 307 places.
How many mortgages are delinquent in Bell County, TX?
1.2% of Bell, TX mortgages were ninety-plus days late in December 2025; the Bell, TX peak since 2008 was 3.4%.
Which banks lend in Bell County, TX?
8 watched lenders hold Bell, TX branches; the largest Bell, TX footprints are First National Bank Texas (18), Extraco Banks National Assn (7), Verabank National Assn (4).
More on Bell, TX
Bell County, TX distress report: public-record figures for Bell, TX; not legal advice for Bell, TX; not tax or investment advice; verify every Bell, TX record before acting.