Franklin County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Franklin County, TX distress report, 2026: 7 ZIPs scored in Franklin, TX, Franklin, TX average 18/100; the top Franklin, TX ZIP is 75478 at 24/100; Franklin, TX market phase peak, Franklin, TX prices +2.0% year over year.
- Franklin, TX ranks #620 nationally (opportunity index); Franklin, TX #75 in Texas; Franklin, TX index 32.8.
- Franklin, TX: no CFPB county sample; Franklin, TX non-metro area reading 1.4%.
- Franklin, TX ZIP phases: 7 peak.
- Franklin, TX residential listings tracked: 7 across 3 ZIPs; Franklin, TX candidate listings 6.
- Franklin, TX lenders on watch: 3; largest Franklin, TX footprint Alliance Bank (3 branches).
- Franklin, TX most distressed ZIP: 75478 at 24/100.
Franklin, TX figures: DLRadar distress index; Franklin, TX inputs: CFPB, FHFA, HUD, FDIC; Franklin, TX rebuilt as sources refresh.
| Rank | Franklin, TX ZIP | Score |
|---|---|---|
| 1 | 75478 | 24/100 |
| 2 | 75481 | 24/100 |
| 3 | 75494 | 19/100 |
| 4 | 75455 | 18/100 |
| 5 | 75457 | 14/100 |
| 6 | 75480 | 14/100 |
| 7 | 75487 | 13/100 |
Most distressed Franklin, TX ZIPs (0-100, 2026)
Mortgage delinquency around Franklin, TX
No CFPB county sample covers Franklin, TX; the non-metro area reading for Franklin, TX: 1.4% ninety-plus; Franklin, TX area thirty-to-eighty-nine 3.5% (December 2025, Franklin, TX); Texas overall 1.2%.
Opportunity index: Franklin, TX
Franklin, TX index 32.8, Franklin, TX phase peak_opportunity; Franklin, TX primary driver vacancy, Franklin, TX second driver construction. Franklin, TX components: property stress 15.6, foreclosure pressure 17.2, listing discounts 34.7, bank stress 48.6, insurance 0.0; Franklin, TX pulse 36.4; Franklin, TX capital opportunity 27.3; Franklin, TX seven-day change +0.1%.
ZIP market phases inside Franklin, TX
7 Franklin, TX ZIPs carry a price-cycle phase; Franklin, TX ZIPs by phase (Franklin, TX), deepest drawdown first: peak, +1.0% YoY (Franklin, TX): 75455, 75478, 75481; peak, +2.0% YoY (Franklin, TX): 75457, 75480; peak, +1.6% YoY (Franklin, TX): 75487; peak, +1.9% YoY (Franklin, TX): 75494.
Residential listings by Franklin, TX ZIP
Franklin, TX ZIPs with the most tracked Franklin, TX residential listings: 75457 6 listings, 6 candidates, bank pressure 55; 75487 1 listings, 0 candidates, bank pressure 60; 75480 0 listings, 0 candidates, bank pressure 53. Franklin, TX totals: 7 listings; Franklin, TX candidates 6; active ZIPs 1.
Lenders with branches in Franklin, TX
Franklin, TX lenders by branch count: Alliance Bank (Franklin, TX): stress 70, 3 branches low in Franklin, TX; First Nb Of East Texas (Franklin, TX): stress 64, 1 branch low in Franklin, TX; Prosperity Bank (Franklin, TX): stress 33, 1 branch low in Franklin, TX.
Vacancy and permits, Franklin, TX
1,224 of 5,121 Franklin, TX housing units are vacant.
Work Franklin, TX at the parcel level
Every Franklin, TX parcel carries owner and address; every Franklin, TX parcel carries APN; Franklin, TX distress scores sit on the Franklin, TX live board.
Franklin, TX figures refresh with each source.
Franklin, TX questions
Most distressed ZIP code in Franklin County, TX?
ZIP 75478 leads Franklin, TX at 24/100; next in Franklin, TX: 75481 at 24/100; the Franklin, TX average is 18/100.
Where does Franklin County, TX rank for investment opportunity?
Franklin, TX is #620 among all ranked counties, #75 in Texas; the Franklin, TX driver is vacancy; Franklin, TX moved up 190 places.
How many mortgages are delinquent in Franklin County, TX?
Franklin, TX takes the non-metro area reading of 1.4% for December 2025; no CFPB county sample covers Franklin, TX.
Which banks lend in Franklin County, TX?
3 watched lenders hold Franklin, TX branches; the largest Franklin, TX footprints are Alliance Bank (3), First Nb Of East Texas (1), Prosperity Bank (1).
More on Franklin, TX
Franklin County, TX distress report: public-record figures for Franklin, TX; not legal advice for Franklin, TX; not tax or investment advice; verify every Franklin, TX record before acting.