Cooke County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Cooke County, TX distress report, 2026: 16 ZIPs scored in Cooke, TX, Cooke, TX average 27/100; the top Cooke, TX ZIP is 76266 at 32/100; Cooke, TX market phase peak, Cooke, TX prices +0.9% year over year.
- Cooke, TX ranks #2,267 nationally (opportunity index); Cooke, TX #205 in Texas; Cooke, TX index 26.8.
- Cooke, TX: no CFPB county sample; Cooke, TX non-metro area reading 1.4%.
- Cooke, TX ZIP phases: 13 peak, 3 contraction.
- Cooke, TX residential listings tracked: 3 across 8 ZIPs; Cooke, TX candidate listings 3.
- Cooke, TX HUD assisted properties: 1 with 144 units.
- Cooke, TX lenders on watch: 4; largest Cooke, TX footprint First State Bank (4 branches).
- Cooke, TX most distressed ZIP: 76266 at 32/100.
Cooke, TX figures: DLRadar distress index; Cooke, TX inputs: CFPB, FHFA, HUD, FDIC; Cooke, TX rebuilt as sources refresh.
| Rank | Cooke, TX ZIP | Score |
|---|---|---|
| 1 | 76266 | 32/100 |
| 2 | 76258 | 31/100 |
| 3 | 76238 | 27/100 |
| 4 | 76240 | 27/100 |
| 5 | 76241 | 27/100 |
| 6 | 76250 | 27/100 |
| 7 | 76252 | 27/100 |
| 8 | 76253 | 27/100 |
| 9 | 76263 | 27/100 |
| 10 | 76233 | 26/100 |
| 11 | 76271 | 26/100 |
| 12 | 76273 | 26/100 |
Most distressed Cooke, TX ZIPs (0-100, 2026)
Mortgage delinquency around Cooke, TX
No CFPB county sample covers Cooke, TX; the non-metro area reading for Cooke, TX: 1.4% ninety-plus; Cooke, TX area thirty-to-eighty-nine 3.5% (December 2025, Cooke, TX); Texas overall 1.2%.
Opportunity index: Cooke, TX
Cooke, TX index 26.8, Cooke, TX phase weak; Cooke, TX primary driver construction, Cooke, TX second driver bank institutional. Cooke, TX components: property stress 12.3, foreclosure pressure 12.6, listing discounts 22.2, bank stress 54.0, insurance 0.0; Cooke, TX pulse 31.0; Cooke, TX capital opportunity 20.5; Cooke, TX seven-day change -0.2%.
ZIP market phases inside Cooke, TX
16 Cooke, TX ZIPs carry a price-cycle phase; Cooke, TX ZIPs by phase (Cooke, TX), deepest drawdown first: contraction, -1.6% YoY, 3.6% off peak (Cooke, TX): 76233; contraction, -1.0% YoY, 2.8% off peak (Cooke, TX): 76271; contraction, -0.8% YoY, 2.5% off peak (Cooke, TX): 76273; peak, +0.4% YoY, 0.7% off peak (Cooke, TX): 76258; peak, +0.9% YoY, 0.0% off peak (Cooke, TX): 76240; peak, +0.9% YoY (Cooke, TX): 76234, 76238, 76241, 76250, Cooke, TX 76253, 76263, 76266, 76272; peak, +1.9% YoY (Cooke, TX): 76239; peak, +1.0% YoY (Cooke, TX): 76252; peak, +1.8% YoY (Cooke, TX): 76265.
Residential listings by Cooke, TX ZIP
Cooke, TX ZIPs with the most tracked Cooke, TX residential listings: 76272 2 listings, 2 candidates, bank pressure 61; 76238 1 listings, 1 candidates, bank pressure 55; 76240 0 listings, 0 candidates, bank pressure 61; 76241 0 listings, 0 candidates, bank pressure 55 (Cooke, TX); 76250 0 listings, 0 candidates, bank pressure 55; 76252 0 listings, 0 candidates, bank pressure 60; 76253 0 listings, 0 candidates, bank pressure 55; 76263 0 listings, 0 candidates, bank pressure 55. Cooke, TX totals: 3 listings; Cooke, TX candidates 3; active ZIPs 2.
HUD assisted housing in Cooke, TX
1 assisted properties with 144 units sit in Cooke, TX; largest Cooke, TX properties: Bella Vista Apartments (Gainesville) 144 units.
Lenders with branches in Cooke, TX
Cooke, TX lenders by branch count: First State Bank (Cooke, TX): stress 80, 4 branches low in Cooke, TX; Muenster State Bank (Cooke, TX): stress 36, 2 branches low in Cooke, TX; Prosperity Bank (Cooke, TX): stress 33, 2 branches low in Cooke, TX; Woodforest National Bank (Cooke, TX): stress 54, 1 branch low in Cooke, TX.
Vacancy and permits, Cooke, TX
1,416 of 17,944 Cooke, TX housing units are vacant; Cooke, TX permits, twelve months: 0 multifamily units in Cooke, TX, 49 one-to-four unit units.
Work Cooke, TX at the parcel level
Every Cooke, TX parcel carries owner and address; every Cooke, TX parcel carries APN; Cooke, TX distress scores sit on the Cooke, TX live board.
Cooke, TX figures refresh with each source.
Cooke, TX questions
Most distressed ZIP code in Cooke County, TX?
ZIP 76266 leads Cooke, TX at 32/100; next in Cooke, TX: 76258 at 31/100; the Cooke, TX average is 27/100.
Where does Cooke County, TX rank for investment opportunity?
Cooke, TX is #2,267 among all ranked counties, #205 in Texas; the Cooke, TX driver is construction; Cooke, TX moved down 190 places.
How many mortgages are delinquent in Cooke County, TX?
Cooke, TX takes the non-metro area reading of 1.4% for December 2025; no CFPB county sample covers Cooke, TX.
Which banks lend in Cooke County, TX?
4 watched lenders hold Cooke, TX branches; the largest Cooke, TX footprints are First State Bank (4), Muenster State Bank (2), Prosperity Bank (2).
More on Cooke, TX
Cooke County, TX distress report: public-record figures for Cooke, TX; not legal advice for Cooke, TX; not tax or investment advice; verify every Cooke, TX record before acting.