Gillespie County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Gillespie County, Texas? DLRadar grades every Gillespie County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 27/100. Here is the 2026 Gillespie County breakdown.
- Gillespie County's most distressed ZIP is 78028 at 27/100.
- 7 ZIP codes tracked in Gillespie County, averaging 24/100 distress.
- Gillespie County reads peak — home values up 0.9% year over year.
- Vacancy runs 23.5% across Gillespie County's tracked ZIPs, with a 19.9% poverty rate.
- The typical Gillespie County home is worth about $364,050 against a ~$67,035 median income.
- Lending headwind in Gillespie County sits at 31/100 — a forward read on distressed supply.
Source: the DLRadar property-distress index, rebuilt monthly from public records. Cite it freely with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 78028 | 27/100 |
| 2 | 78058 | 26/100 |
| 3 | 78671 | 24/100 |
| 4 | 78675 | 24/100 |
| 5 | 78624 | 22/100 |
| 6 | 78631 | 22/100 |
| 7 | 78618 | 21/100 |
Most distressed ZIP codes in Gillespie County (composite distress 0-100, 2026)
What is driving Gillespie County distress
Gillespie County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 24/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Gillespie County market phase and pricing
DLRadar places Gillespie County in peak; prices moved up 0.9% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Gillespie County
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Questions and answers
Which ZIP code leads Gillespie County on distress?
ZIP 78028 leads Gillespie County at 27/100, recomputed monthly from public records.
Where is Gillespie County in the housing cycle?
The market phase for Gillespie County is peak, prices rising 0.9% on the year — derived from the FHFA House Price Index path.
What is this Gillespie County analysis built from?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 7 Gillespie County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Gillespie County ZIP codes?
Averaging the county conceals how uneven it is. Across the Gillespie County ZIPs DLRadar ranks, scores run from 27/100 in 78028 down to 21/100 in 78618, against a Gillespie County average of 24/100. That 6-point gap is why acquisition targeting in Gillespie County works at ZIP level rather than county level.
What do Gillespie County home values and vacancy say about distressed supply?
The typical Gillespie County home carries about $364,050 of value against a median household income near $67,035. Vacancy across Gillespie County's tracked ZIPs runs 23.5% and the poverty rate is 19.9%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Gillespie County's filings and its 31/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.