Comal County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Comal County, TX distress report, 2026: 14 ZIPs scored in Comal, TX, Comal, TX average 30/100; the top Comal, TX ZIP is 78154 at 35/100; Comal, TX market phase contraction, Comal, TX prices -1.2% year over year.
- Comal, TX ranks #1,225 nationally (opportunity index); Comal, TX #127 in Texas; Comal, TX index 30.4.
- Comal, TX ninety-day mortgage delinquency 0.7% in December 2025; Comal, TX twelve-month change +0.1%.
- Comal, TX ZIP phases: 13 contraction, 1 peak.
- Comal, TX residential listings tracked: 68 across 6 ZIPs; Comal, TX candidate listings 41.
- Comal, TX HUD assisted properties: 6 with 634 units.
- Comal, TX lenders on watch: 8; largest Comal, TX footprint Prosperity Bank (6 branches).
- Comal, TX most distressed ZIP: 78154 at 35/100.
Comal, TX figures: DLRadar distress index; Comal, TX inputs: CFPB, FHFA, HUD, FDIC; Comal, TX rebuilt as sources refresh.
| Rank | Comal, TX ZIP | Score |
|---|---|---|
| 1 | 78154 | 35/100 |
| 2 | 78015 | 34/100 |
| 3 | 78108 | 34/100 |
| 4 | 78130 | 32/100 |
| 5 | 78266 | 32/100 |
| 6 | 78132 | 31/100 |
| 7 | 78133 | 31/100 |
| 8 | 78163 | 31/100 |
| 9 | 78623 | 31/100 |
| 10 | 78006 | 30/100 |
| 11 | 78070 | 30/100 |
| 12 | 78666 | 28/100 |
Most distressed Comal, TX ZIPs (0-100, 2026)
Mortgage delinquency in Comal, TX
0.7% of Comal, TX mortgages were ninety-plus days late (Comal, TX, December 2025); Comal, TX thirty-to-eighty-nine days late: 2.5%; Comal, TX twelve-month change +0.1%; Comal, TX peak since 2008: 2.4% (March 2010); Texas overall 1.2%. Comal, TX ninety-day series: Dec 24 0.6, Jan 25 0.7, Feb 25 0.8 (Comal, TX), Mar 25 0.6, Apr 25 0.6, May 25 0.6 (Comal, TX), Jun 25 0.7, Jul 25 0.6, Aug 25 0.6 (Comal, TX), Sep 25 0.5, Oct 25 0.6, Nov 25 0.8 (Comal, TX), Dec 25 0.7.
Opportunity index: Comal, TX
Comal, TX index 30.4, Comal, TX phase watchlist; Comal, TX primary driver bank institutional, Comal, TX second driver construction. Comal, TX components: property stress 18.3, foreclosure pressure 17.8, listing discounts 36.7, bank stress 58.4, insurance 0.0; Comal, TX pulse 32.7; Comal, TX capital opportunity 26.9; Comal, TX seven-day change -0.1%.
ZIP market phases inside Comal, TX
14 Comal, TX ZIPs carry a price-cycle phase; Comal, TX ZIPs by phase (Comal, TX), deepest drawdown first: contraction, -1.2% YoY, 2.0% off peak (Comal, TX): 78006, 78132, 78133, 78154, Comal, TX 78163, 78266, 78015, 78108, Comal, TX 78130; contraction, -1.1% YoY, 1.9% off peak (Comal, TX): 78623; contraction, -0.9% YoY, 1.8% off peak (Comal, TX): 78070; contraction, -0.6% YoY, 1.3% off peak (Comal, TX): 78666; contraction, -0.3% YoY, 1.1% off peak (Comal, TX): 78676; peak, +1.2% YoY, 0.5% off peak (Comal, TX): 78606.
Residential listings by Comal, TX ZIP
Comal, TX ZIPs with the most tracked Comal, TX residential listings: 78133 22 listings, 12 candidates, bank pressure 64; 78070 15 listings, 9 candidates, bank pressure 64; 78132 15 listings, 12 candidates, bank pressure 62; 78163 11 listings, 6 candidates, bank pressure 64 (Comal, TX); 78623 3 listings, 0 candidates, bank pressure 63; 78266 2 listings, 2 candidates, bank pressure 62. Comal, TX totals: 68 listings; Comal, TX candidates 41; active ZIPs 6.
HUD assisted housing in Comal, TX
6 assisted properties with 634 units sit in Comal, TX; largest Comal, TX properties: Freiheit Village (New Braunfels) 188 units; Northwood Apts (New Braunfels) 152 units; Landa Place Apartments (New Braunfels) 100 units in Comal, TX; Northwood Apartments Phase Ii (New Braunfels) 100 units; Eden Heights (New Braunfels) 94 units, 94 assisted; Westpointe Plaza (New Braunfels) 0 units.
Lenders with branches in Comal, TX
Comal, TX lenders by branch count: Prosperity Bank (Comal, TX): stress 33, 6 branches low in Comal, TX; Security State Bank&Trust (Comal, TX): stress 46, 3 branches low in Comal, TX; First Commercial Bank Na (Comal, TX): stress 63, 2 branches low in Comal, TX; Sage Capital Bank (Comal, TX): stress 62, 2 branches low in Comal, TX; Broadway National Bank (Comal, TX): stress 59, 2 branches low in Comal, TX; Trusttexas Bank Ssb (Comal, TX): stress 96, 1 branch low in Comal, TX; First Nb Of Sonora (Comal, TX): stress 88, 1 branch low in Comal, TX; Texas Regional Bank (Comal, TX): stress 87, 1 branch low in Comal, TX.
Vacancy and permits, Comal, TX
6,607 of 77,961 Comal, TX housing units are vacant; Comal, TX permits, twelve months: 456 multifamily units in Comal, TX, 1,900 one-to-four unit units.
Work Comal, TX at the parcel level
Every Comal, TX parcel carries owner and address; every Comal, TX parcel carries APN; Comal, TX distress scores sit on the Comal, TX live board.
Comal, TX figures refresh with each source.
Comal, TX questions
Most distressed ZIP code in Comal County, TX?
ZIP 78154 leads Comal, TX at 35/100; next in Comal, TX: 78015 at 34/100; the Comal, TX average is 30/100.
Where does Comal County, TX rank for investment opportunity?
Comal, TX is #1,225 among all ranked counties, #127 in Texas; the Comal, TX driver is bank institutional; Comal, TX moved up 371 places.
How many mortgages are delinquent in Comal County, TX?
0.7% of Comal, TX mortgages were ninety-plus days late in December 2025; the Comal, TX peak since 2008 was 2.4%.
Which banks lend in Comal County, TX?
8 watched lenders hold Comal, TX branches; the largest Comal, TX footprints are Prosperity Bank (6), Security State Bank&Trust (3), First Commercial Bank Na (2).
More on Comal, TX
Comal County, TX distress report: public-record figures for Comal, TX; not legal advice for Comal, TX; not tax or investment advice; verify every Comal, TX record before acting.