Cottle County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Cottle County, Texas? DLRadar grades every Cottle County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 3/100. Here is the 2026 Cottle County breakdown.
- Cottle County's most distressed ZIP is 79201 at 3/100.
- 4 ZIP codes tracked in Cottle County, averaging 2/100 distress.
- Cottle County reads peak — home values up 2.0% year over year.
- Vacancy runs 31.8% across Cottle County's tracked ZIPs, with a 12.5% poverty rate.
- The typical Cottle County home is worth about $88,067 against a ~$57,976 median income.
- Lending headwind in Cottle County sits at 63/100 — a forward read on distressed supply.
Data: DLRadar public-record property-distress index, refreshed monthly. Free to cite with attribution to DLRadar (dlradar.com) — a link back is appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 79201 | 3/100 |
| 2 | 79223 | 2/100 |
| 3 | 79248 | 1/100 |
| 4 | 79252 | 1/100 |
Most distressed ZIP codes in Cottle County (composite distress 0-100, 2026)
What is driving Cottle County distress
Nothing here is estimated: Cottle County is scored from filings alone, and its ZIPs average 2/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Cottle County market phase and pricing
Phase for Cottle County: peak (+2.0% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Cottle County
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Common questions
Which Cottle County ZIP scores worst for distress?
ZIP 79201 leads Cottle County at 3/100, recomputed monthly from public records.
Which phase does Cottle County sit in right now?
Cottle County currently sits in peak, with values up 2.0% year on year, based on FHFA price-index trajectory.
Which datasets feed the Cottle County scores?
Every Cottle County figure traces to a public source — FHFA House Price Index for the peak trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 4 Cottle County ZIP codes that it runs on every other U.S. county, so Cottle County's numbers are directly comparable to any other market.
How much do distress scores vary between Cottle County ZIP codes?
The county figure is a blend, not a description. Across the Cottle County ZIPs DLRadar ranks, scores run from 3/100 in 79201 down to 1/100 in 79252, against a Cottle County average of 2/100. Because the gap runs to 2 points, Cottle County rewards ZIP-level precision.
What do Cottle County home values and vacancy say about distressed supply?
The typical Cottle County home carries about $88,067 of value against a median household income near $57,976. Vacancy across Cottle County's tracked ZIPs runs 31.8% and the poverty rate is 12.5%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Cottle County's foreclosure and tax-lien filings and its 63/100 lending headwind.
Related
This is a deterministic read of public filings, not advice of any kind — investment, legal or financial. The underlying index updates each month.