Garza County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Garza County, Texas? DLRadar grades every Garza County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 20/100. Here is the 2026 Garza County breakdown.
- Garza County's most distressed ZIP is 79364 at 20/100.
- 4 ZIP codes tracked in Garza County, averaging 13/100 distress.
- Garza County reads neutral — home values up 2.5% year over year.
- Vacancy runs 40.3% across Garza County's tracked ZIPs, with a 14.7% poverty rate.
- The typical Garza County home is worth about $77,433 against a ~$52,144 median income.
- Lending headwind in Garza County sits at 0/100 — a forward read on distressed supply.
Numbers from the DLRadar public-record distress index, refreshed each month. Quote them freely with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 79364 | 20/100 |
| 2 | 79330 | 11/100 |
| 3 | 79356 | 11/100 |
| 4 | 79370 | 10/100 |
Most distressed ZIP codes in Garza County (composite distress 0-100, 2026)
What is driving Garza County distress
The Garza County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 13/100 ZIP average. No proprietary or modelled inputs enter the score.
Garza County market phase and pricing
DLRadar places Garza County in neutral; prices moved up 2.5% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Garza County
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Common questions
Where is distress highest inside Garza County, TX?
ZIP 79364 leads Garza County at 20/100, recomputed monthly from public records.
Which phase does Garza County sit in right now?
Garza County reads neutral, with home prices up 2.5% year over year. Phase comes from FHFA House Price Index trajectory.
Can the Garza County figures be verified?
The inputs are all public: FHFA for the neutral path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 4 ZIP codes in Garza County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Garza County ZIP codes?
One county number flattens a wide range. Across the Garza County ZIPs DLRadar ranks, scores run from 20/100 in 79364 down to 10/100 in 79370, against a Garza County average of 13/100. With 10 points between best and worst, county-level targeting in Garza County wastes effort.
What do Garza County home values and vacancy say about distressed supply?
The typical Garza County home carries about $77,433 of value against a median household income near $52,144. Vacancy across Garza County's tracked ZIPs runs 40.3% and the poverty rate is 14.7%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Garza County's foreclosure and tax-lien filings and its 0/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.