Caldwell County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Caldwell County, TX distress report, 2026: 14 ZIPs scored in Caldwell, TX, Caldwell, TX average 27/100; the top Caldwell, TX ZIP is 78610 at 30/100; Caldwell, TX market phase contraction, Caldwell, TX prices -0.5% year over year.
- Caldwell, TX ranks #1,934 nationally (opportunity index); Caldwell, TX #172 in Texas; Caldwell, TX index 27.9.
- Caldwell, TX: no CFPB county sample; Caldwell, TX metro area reading 0.7%.
- Caldwell, TX ZIP phases: 12 contraction, 2 peak.
- Caldwell, TX residential listings tracked: 38 across 7 ZIPs; Caldwell, TX candidate listings 9.
- Caldwell, TX HUD assisted properties: 6 with 260 units.
- Caldwell, TX lenders on watch: 5; largest Caldwell, TX footprint Sage Capital Bank (2 branches).
- Caldwell, TX most distressed ZIP: 78610 at 30/100.
Caldwell, TX figures: DLRadar distress index; Caldwell, TX inputs: CFPB, FHFA, HUD, FDIC; Caldwell, TX rebuilt as sources refresh.
| Rank | Caldwell, TX ZIP | Score |
|---|---|---|
| 1 | 78610 | 30/100 |
| 2 | 78632 | 30/100 |
| 3 | 78655 | 29/100 |
| 4 | 78959 | 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 | 24/100 |
Most distressed Caldwell, TX ZIPs (0-100, 2026)
Mortgage delinquency around Caldwell, TX
No CFPB county sample covers Caldwell, TX; the metro area reading for Caldwell, TX (Austin-Round Rock-San Marcos, TX): 0.7% ninety-plus; Caldwell, TX area thirty-to-eighty-nine 1.5% (December 2025, Caldwell, TX); Texas overall 1.2%.
Opportunity index: Caldwell, TX
Caldwell, TX index 27.9, Caldwell, TX phase weak; Caldwell, TX primary driver construction, Caldwell, TX second driver bank institutional. Caldwell, TX components: property stress 12.2, foreclosure pressure 12.9, listing discounts 33.9, bank stress 48.0, insurance 0.0; Caldwell, TX pulse 28.7; Caldwell, TX capital opportunity 26.6; Caldwell, TX seven-day change +0.1%.
ZIP market phases inside Caldwell, TX
14 Caldwell, TX ZIPs carry a price-cycle phase; Caldwell, TX ZIPs by phase (Caldwell, TX), deepest drawdown first: contraction, -0.8% YoY, 1.5% off peak (Caldwell, TX): 78655; contraction, -0.6% YoY, 1.3% off peak (Caldwell, TX): 78666; contraction, -0.3% YoY, 1.2% off peak (Caldwell, TX): 78648; contraction, -0.5% YoY, 1.1% off peak (Caldwell, TX): 78610, 78616, 78622, 78640, Caldwell, TX 78644, 78656, 78661, 78662, Caldwell, TX 78953; peak, +1.0% YoY, 0.5% off peak (Caldwell, TX): 78632; peak, +1.9% YoY, 0.0% off peak (Caldwell, TX): 78959.
Residential listings by Caldwell, TX ZIP
Caldwell, TX ZIPs with the most tracked Caldwell, TX residential listings: 78644 20 listings, 5 candidates, bank pressure 51; 78656 10 listings, 0 candidates, bank pressure 61; 78616 5 listings, 1 candidates, bank pressure 59; 78648 2 listings, 2 candidates, bank pressure 57 (Caldwell, TX); 78655 1 listings, 1 candidates, bank pressure 57; 78622 0 listings, 0 candidates, bank pressure 51; 78661 0 listings, 0 candidates, bank pressure 51. Caldwell, TX totals: 38 listings; Caldwell, TX candidates 9; active ZIPs 5.
HUD assisted housing in Caldwell, TX
6 assisted properties with 260 units sit in Caldwell, TX; largest Caldwell, TX properties: Sunchase Square Apartments (Lockhart) 96 units; Lockhart Springs Apts (Lockhart) 48 units; Nolan Terrace (Luling) 40 units, 40 assisted in Caldwell, TX; Sandia Crossing Apartments (Luling) 40 units; Meadow Park Village (Lockhart) 36 units, 36 assisted; Lockhart Farms (Lockhart) 0 units.
Lenders with branches in Caldwell, TX
Caldwell, TX lenders by branch count: Sage Capital Bank (Caldwell, TX): stress 62, 2 branches low in Caldwell, TX; First Lockhart Bank (Caldwell, TX): stress 80, 1 branch low in Caldwell, TX; First National Bank Texas (Caldwell, TX): stress 77, 1 branch low in Caldwell, TX; Citizens Stb Of Luling (Caldwell, TX): stress 42, 1 branch low in Caldwell, TX; International Bk Of Com (Caldwell, TX): stress 3, 1 branch low in Caldwell, TX.
Vacancy and permits, Caldwell, TX
935 of 17,582 Caldwell, TX housing units are vacant; Caldwell, TX permits, twelve months: 30 multifamily units in Caldwell, TX, 393 one-to-four unit units.
Work Caldwell, TX at the parcel level
Every Caldwell, TX parcel carries owner and address; every Caldwell, TX parcel carries APN; Caldwell, TX distress scores sit on the Caldwell, TX live board.
Caldwell, TX figures refresh with each source.
Caldwell, TX questions
Most distressed ZIP code in Caldwell County, TX?
ZIP 78610 leads Caldwell, TX at 30/100; next in Caldwell, TX: 78632 at 30/100; the Caldwell, TX average is 27/100.
Where does Caldwell County, TX rank for investment opportunity?
Caldwell, TX is #1,934 among all ranked counties, #172 in Texas; the Caldwell, TX driver is construction; Caldwell, TX moved up 610 places.
How many mortgages are delinquent in Caldwell County, TX?
Caldwell, TX takes the metro area reading of 0.7% for December 2025; no CFPB county sample covers Caldwell, TX.
Which banks lend in Caldwell County, TX?
5 watched lenders hold Caldwell, TX branches; the largest Caldwell, TX footprints are Sage Capital Bank (2), First Lockhart Bank (1), First National Bank Texas (1).
More on Caldwell, TX
Caldwell County, TX distress report: public-record figures for Caldwell, TX; not legal advice for Caldwell, TX; not tax or investment advice; verify every Caldwell, TX record before acting.