Gaines County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Gaines County, TX distress report, 2026: 5 ZIPs scored in Gaines, TX, Gaines, TX average 11/100; the top Gaines, TX ZIP is 79323 at 12/100; Gaines, TX market phase peak, Gaines, TX prices +2.0% year over year.
- Gaines, TX ranks #2,103 nationally (opportunity index); Gaines, TX #186 in Texas; Gaines, TX index 27.3.
- Gaines, TX: no CFPB county sample; Gaines, TX non-metro area reading 1.4%.
- Gaines, TX ZIP phases: 5 peak.
- Gaines, TX residential listings tracked: 5 across 4 ZIPs; Gaines, TX candidate listings 2.
- Gaines, TX lenders on watch: 5; largest Gaines, TX footprint First United Bank (2 branches).
- Gaines, TX most distressed ZIP: 79323 at 12/100.
Gaines, TX figures: DLRadar distress index; Gaines, TX inputs: CFPB, FHFA, HUD, FDIC; Gaines, TX rebuilt as sources refresh.
| Rank | Gaines, TX ZIP | Score |
|---|---|---|
| 1 | 79323 | 12/100 |
| 2 | 79342 | 12/100 |
| 3 | 79359 | 12/100 |
| 4 | 79360 | 12/100 |
| 5 | 79331 | 7/100 |
Most distressed Gaines, TX ZIPs (0-100, 2026)
Mortgage delinquency around Gaines, TX
No CFPB county sample covers Gaines, TX; the non-metro area reading for Gaines, TX: 1.4% ninety-plus; Gaines, TX area thirty-to-eighty-nine 3.5% (December 2025, Gaines, TX); Texas overall 1.2%.
Opportunity index: Gaines, TX
Gaines, TX index 27.3, Gaines, TX phase weak; Gaines, TX primary driver bank institutional, Gaines, TX second driver construction. Gaines, TX components: property stress 12.0, foreclosure pressure 12.1, listing discounts 34.0, bank stress 50.5, insurance 0.0; Gaines, TX pulse 28.2; Gaines, TX capital opportunity 25.9.
ZIP market phases inside Gaines, TX
5 Gaines, TX ZIPs carry a price-cycle phase; Gaines, TX ZIPs by phase (Gaines, TX), deepest drawdown first: peak, +2.3% YoY, 0.2% off peak (Gaines, TX): 79331; peak, +2.0% YoY (Gaines, TX): 79323, 79342, 79359, 79360.
Residential listings by Gaines, TX ZIP
Gaines, TX ZIPs with the most tracked Gaines, TX residential listings: 79360 4 listings, 1 candidates, bank pressure 51; 79323 1 listings, 1 candidates, bank pressure 51; 79342 0 listings, 0 candidates, bank pressure 51; 79359 0 listings, 0 candidates, bank pressure 48 (Gaines, TX). Gaines, TX totals: 5 listings; Gaines, TX candidates 2; active ZIPs 2.
Lenders with branches in Gaines, TX
Gaines, TX lenders by branch count: First United Bank (Gaines, TX): stress 48, 2 branches low in Gaines, TX; Cornerstone Capital Bank Ssb (Gaines, TX): stress 85, 1 branch low in Gaines, TX; West Texas National Bank (Gaines, TX): stress 58, 1 branch low in Gaines, TX; Maverick Bank (Gaines, TX): stress 36, 1 branch low in Gaines, TX; American Momentum Bank (Gaines, TX): stress 26, 1 branch low in Gaines, TX.
Vacancy and permits, Gaines, TX
790 of 7,719 Gaines, TX housing units are vacant; Gaines, TX permits, twelve months: 0 multifamily units in Gaines, TX, 16 one-to-four unit units.
Work Gaines, TX at the parcel level
Every Gaines, TX parcel carries owner and address; every Gaines, TX parcel carries APN; Gaines, TX distress scores sit on the Gaines, TX live board.
Gaines, TX figures refresh with each source.
Gaines, TX questions
Most distressed ZIP code in Gaines County, TX?
ZIP 79323 leads Gaines, TX at 12/100; next in Gaines, TX: 79342 at 12/100; the Gaines, TX average is 11/100.
Where does Gaines County, TX rank for investment opportunity?
Gaines, TX is #2,103 among all ranked counties, #186 in Texas; the Gaines, TX driver is bank institutional; Gaines, TX moved up 577 places.
How many mortgages are delinquent in Gaines County, TX?
Gaines, TX takes the non-metro area reading of 1.4% for December 2025; no CFPB county sample covers Gaines, TX.
Which banks lend in Gaines County, TX?
5 watched lenders hold Gaines, TX branches; the largest Gaines, TX footprints are First United Bank (2), Cornerstone Capital Bank Ssb (1), West Texas National Bank (1).
More on Gaines, TX
Gaines County, TX distress report: public-record figures for Gaines, TX; not legal advice for Gaines, TX; not tax or investment advice; verify every Gaines, TX record before acting.