Gonzales County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Gonzales County, Texas? DLRadar grades every Gonzales County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 34/100. Here is the 2026 Gonzales County breakdown.
- Gonzales County's most distressed ZIP is 78638 at 34/100.
- 15 ZIP codes tracked in Gonzales County, averaging 26/100 distress.
- Gonzales County reads peak — home values up 2.0% year over year.
- Vacancy runs 17.8% across Gonzales County's tracked ZIPs, with a 14.1% poverty rate.
- The typical Gonzales County home is worth about $217,590 against a ~$65,714 median income.
- Lending headwind in Gonzales 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 | 78638 | 34/100 |
| 2 | 78632 | 30/100 |
| 3 | 78959 | 30/100 |
| 4 | 78140 | 29/100 |
| 5 | 78648 | 28/100 |
| 6 | 77984 | 25/100 |
| 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 ZIP codes in Gonzales County (composite distress 0-100, 2026)
What is driving Gonzales County distress
Gonzales County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 26/100 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.
Gonzales County market phase and pricing
DLRadar places Gonzales County in peak; prices moved up 2.0% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Gonzales County
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Questions about this county
Which Gonzales County ZIP scores worst for distress?
ZIP 78638 leads Gonzales County at 34/100, recomputed monthly from public records.
Which phase does Gonzales County sit in right now?
Phase for Gonzales County: peak, tracking a 2.0% gain year over year, read off the FHFA index.
Where does the Gonzales County data come from?
Gonzales County draws on FHFA (peak trajectory), CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS — every one a public source. The scoring model does not change between counties, so these 15 ZIPs are comparable to anywhere else.
How much do distress scores vary between Gonzales County ZIP codes?
One county number flattens a wide range. Across the Gonzales County ZIPs DLRadar ranks, scores run from 34/100 in 78638 down to 25/100 in 78677, against a Gonzales County average of 26/100. With 9 points between best and worst, county-level targeting in Gonzales County wastes effort.
What do Gonzales County home values and vacancy say about distressed supply?
The typical Gonzales County home carries about $217,590 of value against a median household income near $65,714. Vacancy across Gonzales County's tracked ZIPs runs 17.8% and the poverty rate is 14.1%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Gonzales County's filings and its 0/100 lending headwind.
Related
Scores here are computed from public records by fixed formulas. Nothing on this page is investment, legal or financial advice; the index refreshes monthly.