Franklin County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Franklin County, Texas? DLRadar grades every Franklin County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 24/100. Here is the 2026 Franklin County breakdown.
- Franklin County's most distressed ZIP is 75478 at 24/100.
- 7 ZIP codes tracked in Franklin County, averaging 16/100 distress.
- Franklin County reads peak — home values up 2.0% year over year.
- Vacancy runs 21.3% across Franklin County's tracked ZIPs, with a 13.2% poverty rate.
- The typical Franklin County home is worth about $212,157 against a ~$61,395 median income.
- Lending headwind in Franklin County sits at 30/100 — a forward read on distressed supply.
Figures come from DLRadar's public-record distress index and refresh every month. Free to quote with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 75478 | 24/100 |
| 2 | 75481 | 24/100 |
| 3 | 75494 | 19/100 |
| 4 | 75457 | 14/100 |
| 5 | 75480 | 14/100 |
| 6 | 75455 | 12/100 |
| 7 | 75487 | 7/100 |
Most distressed ZIP codes in Franklin County (composite distress 0-100, 2026)
What is driving Franklin County distress
DLRadar builds Franklin County's distress picture only from records anyone can pull; its ZIPs average 16/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Franklin County market phase and pricing
Franklin County reads peak — home prices rose 2.0% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Franklin County
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Common questions
What is the hardest-hit ZIP in Franklin County?
ZIP 75478 leads Franklin County at 24/100, recomputed monthly from public records.
Is Franklin County expanding or contracting?
Franklin County is classified peak with a 2.0% year-over-year increase, following the FHFA House Price Index.
Which datasets feed the Franklin County scores?
Each Franklin County number can be traced back to a federal or county source — FHFA, CFPB, the recorder, FEMA/NFIP and Census ACS. One deterministic model covers all 7 local ZIPs and every other county in the country.
How much do distress scores vary between Franklin County ZIP codes?
The county figure is a blend, not a description. Across the Franklin County ZIPs DLRadar ranks, scores run from 24/100 in 75478 down to 7/100 in 75487, against a Franklin County average of 16/100. The 17-point range is the argument for ZIP-level search across Franklin County.
What do Franklin County home values and vacancy say about distressed supply?
The typical Franklin County home carries about $212,157 of value against a median household income near $61,395. Vacancy across Franklin County's tracked ZIPs runs 21.3% and the poverty rate is 13.2%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Franklin County's filings and its 30/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.