El Paso County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
El Paso County, TX distress report, 2026: 31 ZIPs scored in El Paso, TX, El Paso, TX average 25/100; the top El Paso, TX ZIP is 79922 at 26/100; El Paso, TX market phase peak, El Paso, TX prices +1.8% year over year.
- El Paso, TX ranks #2,503 nationally (opportunity index); El Paso, TX #221 in Texas; El Paso, TX index 25.9.
- El Paso, TX ninety-day mortgage delinquency 1.2% in December 2025; El Paso, TX twelve-month change +0.1%.
- El Paso, TX ZIP phases: 31 peak.
- El Paso, TX residential listings tracked: 146 across 31 ZIPs; El Paso, TX candidate listings 3.
- El Paso, TX HUD assisted properties: 35 with 3,367 units.
- El Paso, TX lenders on watch: 7; largest El Paso, TX footprint First National Bank Texas (17 branches).
- El Paso, TX most distressed ZIP: 79922 at 26/100.
El Paso, TX figures: DLRadar distress index; El Paso, TX inputs: CFPB, FHFA, HUD, FDIC; El Paso, TX rebuilt as sources refresh.
| Rank | El Paso, TX ZIP | Score |
|---|---|---|
| 1 | 79922 | 26/100 |
| 2 | 79821 | 25/100 |
| 3 | 79835 | 25/100 |
| 4 | 79836 | 25/100 |
| 5 | 79838 | 25/100 |
| 6 | 79849 | 25/100 |
| 7 | 79853 | 25/100 |
| 8 | 79901 | 25/100 |
| 9 | 79902 | 25/100 |
| 10 | 79903 | 25/100 |
| 11 | 79904 | 25/100 |
| 12 | 79905 | 25/100 |
Most distressed El Paso, TX ZIPs (0-100, 2026)
Mortgage delinquency in El Paso, TX
1.2% of El Paso, TX mortgages were ninety-plus days late (El Paso, TX, December 2025); El Paso, TX thirty-to-eighty-nine days late: 3.8%; El Paso, TX twelve-month change +0.1%; El Paso, TX peak since 2008: 3.8% (January 2010); Texas overall 1.2%. El Paso, TX ninety-day series: Dec 24 1.1, Jan 25 1.2, Feb 25 1.2 (El Paso, TX), Mar 25 1.2, Apr 25 1.0, May 25 0.9 (El Paso, TX), Jun 25 0.9, Jul 25 1.0, Aug 25 0.9 (El Paso, TX), Sep 25 0.9, Oct 25 0.9, Nov 25 1.0 (El Paso, TX), Dec 25 1.2.
Opportunity index: El Paso, TX
El Paso, TX index 25.9, El Paso, TX phase weak; El Paso, TX primary driver construction, El Paso, TX second driver bank institutional. El Paso, TX components: property stress 11.0, foreclosure pressure 10.4, listing discounts 30.8, bank stress 50.3, insurance 0.0; El Paso, TX pulse 26.8; El Paso, TX capital opportunity 24.5; El Paso, TX seven-day change +0.1%.
ZIP market phases inside El Paso, TX
31 El Paso, TX ZIPs carry a price-cycle phase; El Paso, TX ZIPs by phase (El Paso, TX), deepest drawdown first: peak, +1.5% YoY, 0.0% off peak (El Paso, TX): 79922; peak, +1.8% YoY, 0.0% off peak (El Paso, TX): 79835; peak, +1.8% YoY (El Paso, TX): 79821, 79836, 79838, 79849, El Paso, TX 79853, 79901, 79902, 79903, El Paso, TX 79904, 79905, 79906, 79907, El Paso, TX 79908, 79911.
Residential listings by El Paso, TX ZIP
El Paso, TX ZIPs with the most tracked El Paso, TX residential listings: 79928 49 listings, 3 candidates, bank pressure 53; 79938 29 listings, 0 candidates, bank pressure 53; 79927 13 listings, 0 candidates, bank pressure 53; 79924 11 listings, 0 candidates, bank pressure 53 (El Paso, TX); 79936 8 listings, 0 candidates, bank pressure 53; 79911 6 listings, 0 candidates, bank pressure 53; 79912 6 listings, 0 candidates, bank pressure 53; 79902 5 listings, 0 candidates, bank pressure 53. El Paso, TX totals: 146 listings; El Paso, TX candidates 3; active ZIPs 18.
HUD assisted housing in El Paso, TX
35 assisted properties with 3,367 units sit in El Paso, TX; largest El Paso, TX properties: Chelsea Plaza Apartments (Rad) (El Paso) 330 units, 330 assisted; The Venue At Montecillo (El Paso) 290 units; Sandoval Two Apartments (Rad/221d4) (El Paso) 274 units, 274 assisted in El Paso, TX; Independence Place (El Paso) 264 units; Montecillo Town Center (El Paso) 188 units; Three Palms Apartments (El Paso) 184 units.
Lenders with branches in El Paso, TX
El Paso, TX lenders by branch count: First National Bank Texas (El Paso, TX): stress 77, 17 branches moderate in El Paso, TX; Weststar Bank (El Paso, TX): stress 39, 13 branches low in El Paso, TX; Sunflower Bank National Assn (El Paso, TX): stress 76, 3 branches moderate in El Paso, TX; Vantage Bank Texas (El Paso, TX): stress 63, 3 branches low in El Paso, TX; City Bank (El Paso, TX): stress 56, 2 branches low in El Paso, TX; Texasbank (El Paso, TX): stress 35, 2 branches low in El Paso, TX; Bank Of Texas (El Paso, TX): stress 47, 1 branch low in El Paso, TX.
Vacancy and permits, El Paso, TX
23,934 of 323,571 El Paso, TX housing units are vacant; El Paso, TX permits, twelve months: 160 multifamily units in El Paso, TX, 1,990 one-to-four unit units.
Work El Paso, TX at the parcel level
Every El Paso, TX parcel carries owner and address; every El Paso, TX parcel carries APN; El Paso, TX distress scores sit on the El Paso, TX live board.
El Paso, TX figures refresh with each source.
El Paso, TX questions
Most distressed ZIP code in El Paso County, TX?
ZIP 79922 leads El Paso, TX at 26/100; next in El Paso, TX: 79821 at 25/100; the El Paso, TX average is 25/100.
Where does El Paso County, TX rank for investment opportunity?
El Paso, TX is #2,503 among all ranked counties, #221 in Texas; the El Paso, TX driver is construction; El Paso, TX moved up 385 places.
How many mortgages are delinquent in El Paso County, TX?
1.2% of El Paso, TX mortgages were ninety-plus days late in December 2025; the El Paso, TX peak since 2008 was 3.8%.
Which banks lend in El Paso County, TX?
7 watched lenders hold El Paso, TX branches; the largest El Paso, TX footprints are First National Bank Texas (17), Weststar Bank (13), Sunflower Bank National Assn (3).
More on El Paso, TX
El Paso County, TX distress report: public-record figures for El Paso, TX; not legal advice for El Paso, TX; not tax or investment advice; verify every El Paso, TX record before acting.