Cherokee County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Cherokee County, TX distress report, 2026: 12 ZIPs scored in Cherokee, TX, Cherokee, TX average 27/100; the top Cherokee, TX ZIP is 75759 at 29/100; Cherokee, TX market phase peak, Cherokee, TX prices +0.9% year over year.
- Cherokee, TX ranks #400 nationally (opportunity index); Cherokee, TX #58 in Texas; Cherokee, TX index 33.9.
- Cherokee, TX: no CFPB county sample; Cherokee, TX non-metro area reading 1.4%.
- Cherokee, TX ZIP phases: 10 peak, 2 recovery.
- Cherokee, TX residential listings tracked: 66 across 9 ZIPs; Cherokee, TX candidate listings 33.
- Cherokee, TX HUD assisted properties: 2 with 135 units.
- Cherokee, TX lenders on watch: 7; largest Cherokee, TX footprint Austin Bank Texas Na (3 branches).
- Cherokee, TX most distressed ZIP: 75759 at 29/100.
Cherokee, TX figures: DLRadar distress index; Cherokee, TX inputs: CFPB, FHFA, HUD, FDIC; Cherokee, TX rebuilt as sources refresh.
| Rank | Cherokee, TX ZIP | Score |
|---|---|---|
| 1 | 75759 | 29/100 |
| 2 | 75764 | 29/100 |
| 3 | 75766 | 29/100 |
| 4 | 75780 | 29/100 |
| 5 | 75785 | 29/100 |
| 6 | 75925 | 29/100 |
| 7 | 75976 | 29/100 |
| 8 | 75757 | 26/100 |
| 9 | 75789 | 26/100 |
| 10 | 75969 | 26/100 |
| 11 | 75784 | 25/100 |
| 12 | 75654 | 21/100 |
Most distressed Cherokee, TX ZIPs (0-100, 2026)
Mortgage delinquency around Cherokee, TX
No CFPB county sample covers Cherokee, TX; the non-metro area reading for Cherokee, TX: 1.4% ninety-plus; Cherokee, TX area thirty-to-eighty-nine 3.5% (December 2025, Cherokee, TX); Texas overall 1.2%.
Opportunity index: Cherokee, TX
Cherokee, TX index 33.9, Cherokee, TX phase peak_opportunity; Cherokee, TX primary driver vacancy, Cherokee, TX second driver construction. Cherokee, TX components: property stress 21.1, foreclosure pressure 22.3, listing discounts 44.5, bank stress 51.9, insurance 0.0; Cherokee, TX pulse 35.4; Cherokee, TX capital opportunity 31.7; Cherokee, TX seven-day change -0.1%.
ZIP market phases inside Cherokee, TX
12 Cherokee, TX ZIPs carry a price-cycle phase; Cherokee, TX ZIPs by phase (Cherokee, TX), deepest drawdown first: recovery, +2.8% YoY (Cherokee, TX): 75654; peak, +1.6% YoY (Cherokee, TX): 75757; peak, +0.9% YoY (Cherokee, TX): 75759, 75764, 75766, 75780, Cherokee, TX 75785, 75925, 75969, 75976; recovery, +2.1% YoY (Cherokee, TX): 75784; peak, +1.7% YoY (Cherokee, TX): 75789.
Residential listings by Cherokee, TX ZIP
Cherokee, TX ZIPs with the most tracked Cherokee, TX residential listings: 75757 22 listings, 13 candidates, bank pressure 57; 75766 16 listings, 3 candidates, bank pressure 54; 75789 16 listings, 12 candidates, bank pressure 56; 75785 10 listings, 3 candidates, bank pressure 54 (Cherokee, TX); 75925 2 listings, 2 candidates, bank pressure 54; 75759 0 listings, 0 candidates, bank pressure 54; 75764 0 listings, 0 candidates, bank pressure 54; 75780 0 listings, 0 candidates, bank pressure 54. Cherokee, TX totals: 66 listings; Cherokee, TX candidates 33; active ZIPs 0.
HUD assisted housing in Cherokee, TX
2 assisted properties with 135 units sit in Cherokee, TX; largest Cherokee, TX properties: Travis Towers (Jacksonville) 87 units, 87 assisted; Mission Village Of Jacksonville (Jacksonville) 48 units.
Lenders with branches in Cherokee, TX
Cherokee, TX lenders by branch count: Austin Bank Texas Na (Cherokee, TX): stress 31, 3 branches low in Cherokee, TX; Texas Nb Of Jacksonville (Cherokee, TX): stress 90, 2 branches moderate in Cherokee, TX; Prosperity Bank (Cherokee, TX): stress 33, 2 branches low in Cherokee, TX; Citizens 1st Bank (Cherokee, TX): stress 27, 2 branches low in Cherokee, TX; First National Bank Texas (Cherokee, TX): stress 77, 1 branch low in Cherokee, TX; Commercial Bank Of Texas Na (Cherokee, TX): stress 58, 1 branch low in Cherokee, TX; Southside Bank (Cherokee, TX): stress 55, 1 branch low in Cherokee, TX.
Vacancy and permits, Cherokee, TX
2,868 of 21,053 Cherokee, TX housing units are vacant; Cherokee, TX permits, twelve months: 0 multifamily units in Cherokee, TX, 25 one-to-four unit units.
Work Cherokee, TX at the parcel level
Every Cherokee, TX parcel carries owner and address; every Cherokee, TX parcel carries APN; Cherokee, TX distress scores sit on the Cherokee, TX live board.
Cherokee, TX figures refresh with each source.
Cherokee, TX questions
Most distressed ZIP code in Cherokee County, TX?
ZIP 75759 leads Cherokee, TX at 29/100; next in Cherokee, TX: 75764 at 29/100; the Cherokee, TX average is 27/100.
Where does Cherokee County, TX rank for investment opportunity?
Cherokee, TX is #400 among all ranked counties, #58 in Texas; the Cherokee, TX driver is vacancy; Cherokee, TX moved up 613 places.
How many mortgages are delinquent in Cherokee County, TX?
Cherokee, TX takes the non-metro area reading of 1.4% for December 2025; no CFPB county sample covers Cherokee, TX.
Which banks lend in Cherokee County, TX?
7 watched lenders hold Cherokee, TX branches; the largest Cherokee, TX footprints are Austin Bank Texas Na (3), Texas Nb Of Jacksonville (2), Prosperity Bank (2).
More on Cherokee, TX
Cherokee County, TX distress report: public-record figures for Cherokee, TX; not legal advice for Cherokee, TX; not tax or investment advice; verify every Cherokee, TX record before acting.