Galveston County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Galveston County, TX distress report, 2026: 19 ZIPs scored in Galveston, TX, Galveston, TX average 34/100; the top Galveston, TX ZIP is 77511 at 37/100; Galveston, TX market phase recovery, Galveston, TX prices +2.7% year over year.
- Galveston, TX ranks #720 nationally (opportunity index); Galveston, TX #86 in Texas; Galveston, TX index 32.3.
- Galveston, TX ninety-day mortgage delinquency 1.1% in December 2025; Galveston, TX twelve-month change +0.3%.
- Galveston, TX ZIP phases: 19 recovery.
- Galveston, TX residential listings tracked: 266 across 18 ZIPs; Galveston, TX candidate listings 88.
- Galveston, TX HUD assisted properties: 14 with 2,209 units.
- Galveston, TX lenders on watch: 8; largest Galveston, TX footprint Texas First Bank (13 branches).
- Galveston, TX most distressed ZIP: 77511 at 37/100.
Galveston, TX figures: DLRadar distress index; Galveston, TX inputs: CFPB, FHFA, HUD, FDIC; Galveston, TX rebuilt as sources refresh.
| Rank | Galveston, TX ZIP | Score |
|---|---|---|
| 1 | 77511 | 37/100 |
| 2 | 77510 | 35/100 |
| 3 | 77517 | 35/100 |
| 4 | 77546 | 35/100 |
| 5 | 77518 | 34/100 |
| 6 | 77539 | 34/100 |
| 7 | 77550 | 34/100 |
| 8 | 77551 | 34/100 |
| 9 | 77554 | 34/100 |
| 10 | 77555 | 34/100 |
| 11 | 77563 | 34/100 |
| 12 | 77565 | 34/100 |
Most distressed Galveston, TX ZIPs (0-100, 2026)
Mortgage delinquency in Galveston, TX
1.1% of Galveston, TX mortgages were ninety-plus days late (Galveston, TX, December 2025); Galveston, TX thirty-to-eighty-nine days late: 2.8%; Galveston, TX twelve-month change +0.3%; Galveston, TX peak since 2008: 3.5% (December 2009); Texas overall 1.2%. Galveston, TX ninety-day series: Dec 24 0.8, Jan 25 0.7, Feb 25 0.7 (Galveston, TX), Mar 25 0.7, Apr 25 0.7, May 25 0.8 (Galveston, TX), Jun 25 0.7, Jul 25 0.8, Aug 25 0.7 (Galveston, TX), Sep 25 0.8, Oct 25 0.8, Nov 25 0.9 (Galveston, TX), Dec 25 1.1.
Opportunity index: Galveston, TX
Galveston, TX index 32.3, Galveston, TX phase watchlist; Galveston, TX primary driver bank institutional, Galveston, TX second driver construction. Galveston, TX components: property stress 20.9, foreclosure pressure 20.6, listing discounts 41.4, bank stress 58.1, insurance 0.0; Galveston, TX pulse 34.3; Galveston, TX capital opportunity 29.3.
ZIP market phases inside Galveston, TX
19 Galveston, TX ZIPs carry a price-cycle phase; Galveston, TX ZIPs by phase (Galveston, TX), deepest drawdown first: recovery, +2.7% YoY (Galveston, TX): 77510, 77511, 77517, 77518, Galveston, TX 77539, 77546, 77550, 77551, Galveston, TX 77554, 77555, 77563, 77565, Galveston, TX 77568, 77573, 77590, 77591.
Residential listings by Galveston, TX ZIP
Galveston, TX ZIPs with the most tracked Galveston, TX residential listings: 77550 38 listings, 15 candidates, bank pressure 60; 77568 34 listings, 10 candidates, bank pressure 60; 77539 33 listings, 12 candidates, bank pressure 60; 77650 25 listings, 4 candidates, bank pressure 60 (Galveston, TX); 77591 23 listings, 9 candidates, bank pressure 60; 77573 20 listings, 9 candidates, bank pressure 60; 77554 17 listings, 7 candidates, bank pressure 60; 77551 15 listings, 5 candidates, bank pressure 60. Galveston, TX totals: 266 listings; Galveston, TX candidates 88; active ZIPs 3.
HUD assisted housing in Galveston, TX
14 assisted properties with 2,209 units sit in Galveston, TX; largest Galveston, TX properties: Marina Riverbend (League City) 298 units; Parc At Marina Landing Apartments Homes (Galveston) 256 units; Highbridge At Egret Bay (Houston) 252 units in Galveston, TX; Catalon At Lago Mar Apartments (Texas City) 230 units; Avalon Kemah Apartments (Kemah) 198 units; Seaport Village Apartment Homes (Galveston) 192 units.
Lenders with branches in Galveston, TX
Galveston, TX lenders by branch count: Texas First Bank (Galveston, TX): stress 58, 13 branches low in Galveston, TX; Moody National Bank (Galveston, TX): stress 56, 6 branches low in Galveston, TX; Frost Bank (Galveston, TX): stress 69, 5 branches low in Galveston, TX; Hometown Bank National Assn (Galveston, TX): stress 71, 4 branches low in Galveston, TX; Woodforest National Bank (Galveston, TX): stress 54, 3 branches low in Galveston, TX; Prosperity Bank (Galveston, TX): stress 33, 2 branches low in Galveston, TX; First National Bank Texas (Galveston, TX): stress 77, 1 branch moderate in Galveston, TX; Texas Gulf Bank Na (Galveston, TX): stress 65, 1 branch low in Galveston, TX.
Vacancy and permits, Galveston, TX
21,208 of 161,868 Galveston, TX housing units are vacant; Galveston, TX permits, twelve months: 0 multifamily units in Galveston, TX, 2,593 one-to-four unit units.
Work Galveston, TX at the parcel level
Every Galveston, TX parcel carries owner and address; every Galveston, TX parcel carries APN; Galveston, TX distress scores sit on the Galveston, TX live board.
Galveston, TX figures refresh with each source.
Galveston, TX questions
Most distressed ZIP code in Galveston County, TX?
ZIP 77511 leads Galveston, TX at 37/100; next in Galveston, TX: 77510 at 35/100; the Galveston, TX average is 34/100.
Where does Galveston County, TX rank for investment opportunity?
Galveston, TX is #720 among all ranked counties, #86 in Texas; the Galveston, TX driver is bank institutional; Galveston, TX moved up 500 places.
How many mortgages are delinquent in Galveston County, TX?
1.1% of Galveston, TX mortgages were ninety-plus days late in December 2025; the Galveston, TX peak since 2008 was 3.5%.
Which banks lend in Galveston County, TX?
8 watched lenders hold Galveston, TX branches; the largest Galveston, TX footprints are Texas First Bank (13), Moody National Bank (6), Frost Bank (5).
More on Galveston, TX
Galveston County, TX distress report: public-record figures for Galveston, TX; not legal advice for Galveston, TX; not tax or investment advice; verify every Galveston, TX record before acting.