Fayette County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Fayette County, TX distress report, 2026: 15 ZIPs scored in Fayette, TX, Fayette, TX average 25/100; the top Fayette, TX ZIP is 78950 at 29/100; Fayette, TX market phase peak, Fayette, TX prices +2.0% year over year.
- Fayette, TX ranks #710 nationally (opportunity index); Fayette, TX #88 in Texas; Fayette, TX index 32.3.
- Fayette, TX: no CFPB county sample; Fayette, TX non-metro area reading 1.4%.
- Fayette, TX ZIP phases: 14 peak, 1 contraction.
- Fayette, TX residential listings tracked: 4 across 8 ZIPs; Fayette, TX candidate listings 0.
- Fayette, TX lenders on watch: 6; largest Fayette, TX footprint Fayette Savings Bank Ssb (4 branches).
- Fayette, TX most distressed ZIP: 78950 at 29/100.
Fayette, TX figures: DLRadar distress index; Fayette, TX inputs: CFPB, FHFA, HUD, FDIC; Fayette, TX rebuilt as sources refresh.
| Rank | Fayette, TX ZIP | Score |
|---|---|---|
| 1 | 78950 | 29/100 |
| 2 | 78956 | 29/100 |
| 3 | 78959 | 29/100 |
| 4 | 78932 | 28/100 |
| 5 | 78938 | 28/100 |
| 6 | 78949 | 28/100 |
| 7 | 78963 | 28/100 |
| 8 | 78940 | 27/100 |
| 9 | 78945 | 27/100 |
| 10 | 78954 | 27/100 |
| 11 | 78962 | 26/100 |
| 12 | 78941 | 25/100 |
Most distressed Fayette, TX ZIPs (0-100, 2026)
Mortgage delinquency around Fayette, TX
No CFPB county sample covers Fayette, TX; the non-metro area reading for Fayette, TX: 1.4% ninety-plus; Fayette, TX area thirty-to-eighty-nine 3.5% (December 2025, Fayette, TX); Texas overall 1.2%.
Opportunity index: Fayette, TX
Fayette, TX index 32.3, Fayette, TX phase early_signal; Fayette, TX primary driver vacancy, Fayette, TX second driver construction. Fayette, TX components: property stress 23.2, foreclosure pressure 24.2, listing discounts 17.5, bank stress 56.3, insurance 0.0; Fayette, TX pulse 40.2; Fayette, TX capital opportunity 20.4; Fayette, TX seven-day change -0.3%.
ZIP market phases inside Fayette, TX
15 Fayette, TX ZIPs carry a price-cycle phase; Fayette, TX ZIPs by phase (Fayette, TX), deepest drawdown first: contraction, -0.2% YoY, 1.0% off peak (Fayette, TX): 78957; peak, +1.9% YoY, 0.1% off peak (Fayette, TX): 78941, 78942; peak, +1.9% YoY, 0.0% off peak (Fayette, TX): 78959; peak, +2.0% YoY, 0.0% off peak (Fayette, TX): 78945; peak, +1.4% YoY (Fayette, TX): 78932; peak, +2.0% YoY (Fayette, TX): 78938, 78946, 78949, 78956, Fayette, TX 78962, 78963; peak, +2.1% YoY (Fayette, TX): 78940, 78954; peak, +2.5% YoY (Fayette, TX): 78950.
Residential listings by Fayette, TX ZIP
Fayette, TX ZIPs with the most tracked Fayette, TX residential listings: 78945 3 listings, 0 candidates, bank pressure 61; 78956 1 listings, 0 candidates, bank pressure 61; 78938 0 listings, 0 candidates, bank pressure 65; 78940 0 listings, 0 candidates, bank pressure 60 (Fayette, TX); 78941 0 listings, 0 candidates, bank pressure 60; 78949 0 listings, 0 candidates, bank pressure 65; 78954 0 listings, 0 candidates, bank pressure 62; 78963 0 listings, 0 candidates, bank pressure 65. Fayette, TX totals: 4 listings; Fayette, TX candidates 0; active ZIPs 2.
Lenders with branches in Fayette, TX
Fayette, TX lenders by branch count: Fayette Savings Bank Ssb (Fayette, TX): stress 53, 4 branches low in Fayette, TX; Prosperity Bank (Fayette, TX): stress 33, 3 branches low in Fayette, TX; Round Top State Bank (Fayette, TX): stress 64, 2 branches low in Fayette, TX; National Bank&Trust (Fayette, TX): stress 87, 1 branch low in Fayette, TX; Carmine State Bank (Fayette, TX): stress 81, 1 branch low in Fayette, TX; Sunflower Bank National Assn (Fayette, TX): stress 76, 1 branch low in Fayette, TX.
Vacancy and permits, Fayette, TX
2,830 of 13,233 Fayette, TX housing units are vacant; Fayette, TX permits, twelve months: 0 multifamily units in Fayette, TX, 11 one-to-four unit units.
Work Fayette, TX at the parcel level
Every Fayette, TX parcel carries owner and address; every Fayette, TX parcel carries APN; Fayette, TX distress scores sit on the Fayette, TX live board.
Fayette, TX figures refresh with each source.
Fayette, TX questions
Most distressed ZIP code in Fayette County, TX?
ZIP 78950 leads Fayette, TX at 29/100; next in Fayette, TX: 78956 at 29/100; the Fayette, TX average is 25/100.
Where does Fayette County, TX rank for investment opportunity?
Fayette, TX is #710 among all ranked counties, #88 in Texas; the Fayette, TX driver is vacancy; Fayette, TX moved down 459 places.
How many mortgages are delinquent in Fayette County, TX?
Fayette, TX takes the non-metro area reading of 1.4% for December 2025; no CFPB county sample covers Fayette, TX.
Which banks lend in Fayette County, TX?
6 watched lenders hold Fayette, TX branches; the largest Fayette, TX footprints are Fayette Savings Bank Ssb (4), Prosperity Bank (3), Round Top State Bank (2).
More on Fayette, TX
Fayette County, TX distress report: public-record figures for Fayette, TX; not legal advice for Fayette, TX; not tax or investment advice; verify every Fayette, TX record before acting.