Chambers County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Chambers County, Texas? DLRadar grades every Chambers County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 37/100. Here is the 2026 Chambers County breakdown.
- Chambers County's most distressed ZIP is 77520 at 37/100.
- 11 ZIP codes tracked in Chambers County, averaging 33/100 distress.
- Chambers County reads recovery — home values up 2.7% year over year.
- Vacancy runs 12.6% across Chambers County's tracked ZIPs, with a 15.2% poverty rate.
- The typical Chambers County home is worth about $226,563 against a ~$77,884 median income.
- Lending headwind in Chambers County sits at 49/100 — a forward read on distressed supply.
Compiled from the DLRadar property-distress index and refreshed monthly. Cite with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 77520 | 37/100 |
| 2 | 77521 | 35/100 |
| 3 | 77535 | 35/100 |
| 4 | 77575 | 35/100 |
| 5 | 77665 | 33/100 |
| 6 | 77514 | 32/100 |
| 7 | 77560 | 32/100 |
| 8 | 77580 | 32/100 |
| 9 | 77597 | 32/100 |
| 10 | 77661 | 32/100 |
| 11 | 77523 | 30/100 |
Most distressed ZIP codes in Chambers County (composite distress 0-100, 2026)
What is driving Chambers County distress
Chambers County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 33/100 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.
Chambers County market phase and pricing
The cycle in Chambers County is recovery, with values up 2.7% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Chambers County
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Frequently asked
What is the hardest-hit ZIP in Chambers County?
ZIP 77520 leads Chambers County at 37/100, recomputed monthly from public records.
Is Chambers County expanding or contracting?
Phase for Chambers County: recovery, tracking a 2.7% gain year over year, read off the FHFA index.
Where does the Chambers County data come from?
Each Chambers County number can be traced back to a federal or county source — FHFA, CFPB, the recorder, FEMA/NFIP and Census ACS. One deterministic model covers all 11 local ZIPs and every other county in the country.
How much do distress scores vary between Chambers County ZIP codes?
Averaging the county conceals how uneven it is. Across the Chambers County ZIPs DLRadar ranks, scores run from 37/100 in 77520 down to 30/100 in 77523, against a Chambers County average of 33/100. With 7 points between best and worst, county-level targeting in Chambers County wastes effort.
What do Chambers County home values and vacancy say about distressed supply?
The typical Chambers County home carries about $226,563 of value against a median household income near $77,884. Vacancy across Chambers County's tracked ZIPs runs 12.6% and the poverty rate is 15.2%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Chambers County's foreclosure and tax-lien filings and its 49/100 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.