Caldwell County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Caldwell County, Texas? DLRadar grades every Caldwell County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 30/100. Here is the 2026 Caldwell County breakdown.
- Caldwell County's most distressed ZIP is 78610 at 30/100.
- 14 ZIP codes tracked in Caldwell County, averaging 27/100 distress.
- Caldwell County reads contraction — home values down 0.5% year over year, 2.0% off peak.
- Vacancy runs 8.7% across Caldwell County's tracked ZIPs, with a 12.5% poverty rate.
- The typical Caldwell County home is worth about $261,069 against a ~$77,204 median income.
- Lending headwind in Caldwell County sits at 15/100 — a forward read on distressed supply.
Source: the DLRadar property-distress index, rebuilt monthly from public records. Cite it freely with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 78610 | 30/100 |
| 2 | 78632 | 30/100 |
| 3 | 78959 | 30/100 |
| 4 | 78655 | 29/100 |
| 5 | 78648 | 28/100 |
| 6 | 78666 | 28/100 |
| 7 | 78622 | 27/100 |
| 8 | 78640 | 27/100 |
| 9 | 78644 | 27/100 |
| 10 | 78661 | 27/100 |
| 11 | 78656 | 26/100 |
| 12 | 78616 | 25/100 |
Most distressed ZIP codes in Caldwell County (composite distress 0-100, 2026)
What is driving Caldwell County distress
Caldwell County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 27/100 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.
Caldwell County market phase and pricing
Caldwell County reads contraction — home prices fell 0.5% over the last year and are 2.0% off their peak. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Caldwell County
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What people ask
Where is distress highest inside Caldwell County, TX?
ZIP 78610 leads Caldwell County at 30/100, recomputed monthly from public records.
How would you describe the Caldwell County market phase?
Phase for Caldwell County: contraction, tracking a 0.5% decline year over year, read off the FHFA index.
How is the Caldwell County data sourced?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 14 Caldwell County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Caldwell County ZIP codes?
Averaging the county conceals how uneven it is. Across the Caldwell County ZIPs DLRadar ranks, scores run from 30/100 in 78610 down to 25/100 in 78616, against a Caldwell County average of 27/100. The 5-point range is the argument for ZIP-level search across Caldwell County.
What do Caldwell County home values and vacancy say about distressed supply?
The typical Caldwell County home carries about $261,069 of value against a median household income near $77,204. Vacancy across Caldwell County's tracked ZIPs runs 8.7% and the poverty rate is 12.5%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Caldwell County's foreclosure and lien filings and its 15/100 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.