Cooke County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Cooke County, Texas? DLRadar grades every Cooke County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 32/100. Here is the 2026 Cooke County breakdown.
- Cooke County's most distressed ZIP is 76266 at 32/100.
- 16 ZIP codes tracked in Cooke County, averaging 27/100 distress.
- Cooke County reads peak — home values up 0.9% year over year.
- Vacancy runs 8.1% across Cooke County's tracked ZIPs, with a 6.7% poverty rate.
- The typical Cooke County home is worth about $272,887 against a ~$82,558 median income.
- Lending headwind in Cooke County sits at 39/100 — a forward read on distressed supply.
Figures: DLRadar distress index, rebuilt monthly from public filings. Free to reuse with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 76266 | 32/100 |
| 2 | 76258 | 31/100 |
| 3 | 76239 | 27/100 |
| 4 | 76265 | 27/100 |
| 5 | 76233 | 26/100 |
| 6 | 76238 | 26/100 |
| 7 | 76240 | 26/100 |
| 8 | 76241 | 26/100 |
| 9 | 76250 | 26/100 |
| 10 | 76252 | 26/100 |
| 11 | 76253 | 26/100 |
| 12 | 76263 | 26/100 |
Most distressed ZIP codes in Cooke County (composite distress 0-100, 2026)
What is driving Cooke County distress
Cooke County's placement in the national index rests on public filings — a 27/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Cooke County market phase and pricing
The cycle in Cooke County is peak, with values up 0.9% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Cooke County
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Questions about this county
Which ZIP code leads Cooke County on distress?
ZIP 76266 leads Cooke County at 32/100, recomputed monthly from public records.
Which phase does Cooke County sit in right now?
FHFA price-index movement places Cooke County in peak; prices are up 0.9% over twelve months.
Can the Cooke County figures be verified?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 16 Cooke County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Cooke County ZIP codes?
The county figure is a blend, not a description. Across the Cooke County ZIPs DLRadar ranks, scores run from 32/100 in 76266 down to 26/100 in 76263, against a Cooke County average of 27/100. That 6-point gap is why acquisition targeting in Cooke County works at ZIP level rather than county level.
What do Cooke County home values and vacancy say about distressed supply?
The typical Cooke County home carries about $272,887 of value against a median household income near $82,558. Vacancy across Cooke County's tracked ZIPs runs 8.1% and the poverty rate is 6.7%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Cooke County's foreclosure and tax-lien filings and its 39/100 lending headwind.
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Scores are computed, not advised: public records, fixed formulas, monthly refresh. Not investment, legal or financial advice.