Gonzales County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Gonzales County, TX distress report, 2026: 15 ZIPs scored in Gonzales, TX, Gonzales, TX average 27/100; the top Gonzales, TX ZIP is 78638 at 34/100; Gonzales, TX market phase peak, Gonzales, TX prices +2.0% year over year.
- Gonzales, TX ranks #443 nationally (opportunity index); Gonzales, TX #64 in Texas; Gonzales, TX index 33.7.
- Gonzales, TX: no CFPB county sample; Gonzales, TX non-metro area reading 1.4%.
- Gonzales, TX ZIP phases: 13 peak, 2 contraction.
- Gonzales, TX residential listings tracked: 7 across 9 ZIPs; Gonzales, TX candidate listings 1.
- Gonzales, TX HUD assisted properties: 3 with 70 units.
- Gonzales, TX lenders on watch: 4; largest Gonzales, TX footprint Sage Capital Bank (1 branch).
- Gonzales, TX most distressed ZIP: 78638 at 34/100.
Gonzales, TX figures: DLRadar distress index; Gonzales, TX inputs: CFPB, FHFA, HUD, FDIC; Gonzales, TX rebuilt as sources refresh.
| Rank | Gonzales, TX ZIP | Score |
|---|---|---|
| 1 | 78638 | 34/100 |
| 2 | 78632 | 30/100 |
| 3 | 78140 | 29/100 |
| 4 | 78959 | 29/100 |
| 5 | 78648 | 28/100 |
| 6 | 77984 | 26/100 |
| 7 | 78122 | 25/100 |
| 8 | 78159 | 25/100 |
| 9 | 78614 | 25/100 |
| 10 | 78629 | 25/100 |
| 11 | 78658 | 25/100 |
| 12 | 78677 | 25/100 |
Most distressed Gonzales, TX ZIPs (0-100, 2026)
Mortgage delinquency around Gonzales, TX
No CFPB county sample covers Gonzales, TX; the non-metro area reading for Gonzales, TX: 1.4% ninety-plus; Gonzales, TX area thirty-to-eighty-nine 3.5% (December 2025, Gonzales, TX); Texas overall 1.2%.
Opportunity index: Gonzales, TX
Gonzales, TX index 33.7, Gonzales, TX phase overheated; Gonzales, TX primary driver vacancy, Gonzales, TX second driver bank institutional. Gonzales, TX components: property stress 35.1, foreclosure pressure 39.7, listing discounts 25.9, bank stress 52.0, insurance 0.0; Gonzales, TX pulse 38.1; Gonzales, TX capital opportunity 27.0.
ZIP market phases inside Gonzales, TX
15 Gonzales, TX ZIPs carry a price-cycle phase; Gonzales, TX ZIPs by phase (Gonzales, TX), deepest drawdown first: contraction, -1.1% YoY, 1.9% off peak (Gonzales, TX): 78638; contraction, -0.3% YoY, 1.2% off peak (Gonzales, TX): 78648; peak, +1.0% YoY, 0.6% off peak (Gonzales, TX): 78140; peak, +1.0% YoY, 0.5% off peak (Gonzales, TX): 78632; peak, +1.9% YoY, 0.1% off peak (Gonzales, TX): 78941; peak, +1.9% YoY, 0.0% off peak (Gonzales, TX): 78959; peak, +2.0% YoY (Gonzales, TX): 77954, 77984, 77994, 78122, Gonzales, TX 78159, 78614, 78629, 78658, Gonzales, TX 78677.
Residential listings by Gonzales, TX ZIP
Gonzales, TX ZIPs with the most tracked Gonzales, TX residential listings: 78629 4 listings, 0 candidates, bank pressure 60; 78140 1 listings, 0 candidates, bank pressure 59; 78159 1 listings, 1 candidates, bank pressure 55; 78959 1 listings, 0 candidates, bank pressure 59 (Gonzales, TX); 78122 0 listings, 0 candidates, bank pressure 55; 78614 0 listings, 0 candidates, bank pressure 55; 78632 0 listings, 0 candidates, bank pressure 53; 78658 0 listings, 0 candidates, bank pressure 55. Gonzales, TX totals: 7 listings; Gonzales, TX candidates 1; active ZIPs 3.
HUD assisted housing in Gonzales, TX
3 assisted properties with 70 units sit in Gonzales, TX; largest Gonzales, TX properties: Country Village Square (Gonzales) 38 units, 38 assisted; Gonzales Independence Homes (Gonzales) 24 units, 24 assisted; Edwards Association Senior Housing (Gonzales) 8 units, 8 assisted in Gonzales, TX.
Lenders with branches in Gonzales, TX
Gonzales, TX lenders by branch count: Sage Capital Bank (Gonzales, TX): stress 62, 1 branch low in Gonzales, TX; Third Coast Bank (Gonzales, TX): stress 56, 1 branch low in Gonzales, TX; Southstar Bank Ssb (Gonzales, TX): stress 51, 1 branch low in Gonzales, TX; Prosperity Bank (Gonzales, TX): stress 33, 1 branch low in Gonzales, TX.
Vacancy and permits, Gonzales, TX
1,094 of 9,020 Gonzales, TX housing units are vacant; Gonzales, TX permits, twelve months: 0 multifamily units in Gonzales, TX, 17 one-to-four unit units.
Work Gonzales, TX at the parcel level
Every Gonzales, TX parcel carries owner and address; every Gonzales, TX parcel carries APN; Gonzales, TX distress scores sit on the Gonzales, TX live board.
Gonzales, TX figures refresh with each source.
Gonzales, TX questions
Most distressed ZIP code in Gonzales County, TX?
ZIP 78638 leads Gonzales, TX at 34/100; next in Gonzales, TX: 78632 at 30/100; the Gonzales, TX average is 27/100.
Where does Gonzales County, TX rank for investment opportunity?
Gonzales, TX is #443 among all ranked counties, #64 in Texas; the Gonzales, TX driver is vacancy; Gonzales, TX moved up 72 places.
How many mortgages are delinquent in Gonzales County, TX?
Gonzales, TX takes the non-metro area reading of 1.4% for December 2025; no CFPB county sample covers Gonzales, TX.
Which banks lend in Gonzales County, TX?
4 watched lenders hold Gonzales, TX branches; the largest Gonzales, TX footprints are Sage Capital Bank (1), Third Coast Bank (1), Southstar Bank Ssb (1).
More on Gonzales, TX
Gonzales County, TX distress report: public-record figures for Gonzales, TX; not legal advice for Gonzales, TX; not tax or investment advice; verify every Gonzales, TX record before acting.