Ellis County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Ellis County, TX distress report, 2026: 20 ZIPs scored in Ellis, TX, Ellis, TX average 31/100; the top Ellis, TX ZIP is 75104 at 34/100; Ellis, TX market phase peak, Ellis, TX prices +0.9% year over year.
- Ellis, TX ranks #2,705 nationally (opportunity index); Ellis, TX #235 in Texas; Ellis, TX index 24.9.
- Ellis, TX ninety-day mortgage delinquency 1.5% in December 2025; Ellis, TX twelve-month change +0.2%.
- Ellis, TX ZIP phases: 20 peak.
- Ellis, TX residential listings tracked: 13 across 13 ZIPs; Ellis, TX candidate listings 5.
- Ellis, TX HUD assisted properties: 14 with 1,946 units.
- Ellis, TX lenders on watch: 8; largest Ellis, TX footprint Citizens Nb Of Texas (6 branches).
- Ellis, TX most distressed ZIP: 75104 at 34/100.
Ellis, TX figures: DLRadar distress index; Ellis, TX inputs: CFPB, FHFA, HUD, FDIC; Ellis, TX rebuilt as sources refresh.
| Rank | Ellis, TX ZIP | Score |
|---|---|---|
| 1 | 75104 | 34/100 |
| 2 | 75146 | 34/100 |
| 3 | 75101 | 32/100 |
| 4 | 75119 | 32/100 |
| 5 | 75125 | 32/100 |
| 6 | 75152 | 32/100 |
| 7 | 75154 | 32/100 |
| 8 | 75165 | 32/100 |
| 9 | 75167 | 32/100 |
| 10 | 76041 | 32/100 |
| 11 | 76064 | 32/100 |
| 12 | 76065 | 32/100 |
Most distressed Ellis, TX ZIPs (0-100, 2026)
Mortgage delinquency in Ellis, TX
1.5% of Ellis, TX mortgages were ninety-plus days late (Ellis, TX, December 2025); Ellis, TX thirty-to-eighty-nine days late: 4.7%; Ellis, TX twelve-month change +0.2%; Ellis, TX peak since 2008: 4.7% (January 2010); Texas overall 1.2%. Ellis, TX ninety-day series: Dec 24 1.3, Jan 25 1.3, Feb 25 1.4 (Ellis, TX), Mar 25 1.2, Apr 25 1.0, May 25 0.7 (Ellis, TX), Jun 25 1.0, Jul 25 1.2, Aug 25 1.0 (Ellis, TX), Sep 25 1.5, Oct 25 1.6, Nov 25 1.7 (Ellis, TX), Dec 25 1.5.
Opportunity index: Ellis, TX
Ellis, TX index 24.9, Ellis, TX phase weak; Ellis, TX primary driver construction, Ellis, TX second driver bank institutional. Ellis, TX components: property stress 11.5, foreclosure pressure 11.0, listing discounts 23.2, bank stress 51.6, insurance 0.0; Ellis, TX pulse 27.3; Ellis, TX capital opportunity 21.3; Ellis, TX seven-day change +0.1%.
ZIP market phases inside Ellis, TX
20 Ellis, TX ZIPs carry a price-cycle phase; Ellis, TX ZIPs by phase (Ellis, TX), deepest drawdown first: peak, +0.9% YoY (Ellis, TX): 75101, 75104, 75119, 75125, Ellis, TX 75146, 75152, 75154, 75165, Ellis, TX 75167, 76041, 76063, 76064, Ellis, TX 76065, 76084, 76623; peak, +1.1% YoY (Ellis, TX): 76050.
Residential listings by Ellis, TX ZIP
Ellis, TX ZIPs with the most tracked Ellis, TX residential listings: 75154 4 listings, 0 candidates, bank pressure 58; 75119 2 listings, 0 candidates, bank pressure 53; 75125 2 listings, 1 candidates, bank pressure 58; 76064 2 listings, 2 candidates, bank pressure 52 (Ellis, TX); 75165 1 listings, 1 candidates, bank pressure 52; 75167 1 listings, 1 candidates, bank pressure 52; 76065 1 listings, 0 candidates, bank pressure 58; 75101 0 listings, 0 candidates, bank pressure 52. Ellis, TX totals: 13 listings; Ellis, TX candidates 5; active ZIPs 7.
HUD assisted housing in Ellis, TX
14 assisted properties with 1,946 units sit in Ellis, TX; largest Ellis, TX properties: Palladium Glenn Heights (Glenn Heights) 270 units; The Mark At Midlothian (Midlothian) 236 units; Oxford At Crossroads (Waxahachie) 220 units in Ellis, TX; Hunter's Cove Apartments (Waxahachie) 192 units; Spyglass Apartments (Ennis) 192 units; Blue Lake Villas (Waxahachie) 186 units.
Lenders with branches in Ellis, TX
Ellis, TX lenders by branch count: Citizens Nb Of Texas (Ellis, TX): stress 34, 6 branches low in Ellis, TX; First National Bank Texas (Ellis, TX): stress 77, 3 branches low in Ellis, TX; Harmony Bank (Ellis, TX): stress 45, 3 branches low in Ellis, TX; Prosperity Bank (Ellis, TX): stress 33, 3 branches low in Ellis, TX; Trinity Capital Bank Of Tx (Ellis, TX): stress 66, 2 branches low in Ellis, TX; Commercial State Bank (Ellis, TX): stress 61, 2 branches low in Ellis, TX; Community Nb&T Of Texas (Ellis, TX): stress 51, 2 branches low in Ellis, TX; First Financial Bank (Ellis, TX): stress 49, 2 branches low in Ellis, TX.
Vacancy and permits, Ellis, TX
3,663 of 75,422 Ellis, TX housing units are vacant; Ellis, TX permits, twelve months: 15 multifamily units in Ellis, TX, 2,544 one-to-four unit units.
Work Ellis, TX at the parcel level
Every Ellis, TX parcel carries owner and address; every Ellis, TX parcel carries APN; Ellis, TX distress scores sit on the Ellis, TX live board.
Ellis, TX figures refresh with each source.
Ellis, TX questions
Most distressed ZIP code in Ellis County, TX?
ZIP 75104 leads Ellis, TX at 34/100; next in Ellis, TX: 75146 at 34/100; the Ellis, TX average is 31/100.
Where does Ellis County, TX rank for investment opportunity?
Ellis, TX is #2,705 among all ranked counties, #235 in Texas; the Ellis, TX driver is construction; Ellis, TX moved up 57 places.
How many mortgages are delinquent in Ellis County, TX?
1.5% of Ellis, TX mortgages were ninety-plus days late in December 2025; the Ellis, TX peak since 2008 was 4.7%.
Which banks lend in Ellis County, TX?
8 watched lenders hold Ellis, TX branches; the largest Ellis, TX footprints are Citizens Nb Of Texas (6), First National Bank Texas (3), Harmony Bank (3).
More on Ellis, TX
Ellis County, TX distress report: public-record figures for Ellis, TX; not legal advice for Ellis, TX; not tax or investment advice; verify every Ellis, TX record before acting.