Gray County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Gray County, Texas? DLRadar grades every Gray County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 24/100. Here is the 2026 Gray County breakdown.
- Gray County's most distressed ZIP is 79002 at 24/100.
- 9 ZIP codes tracked in Gray County, averaging 20/100 distress.
- Gray County reads peak — home values up 0.9% year over year.
- Vacancy runs 19.4% across Gray County's tracked ZIPs, with a 7.4% poverty rate.
- The typical Gray County home is worth about $104,886 against a ~$59,177 median income.
- Lending headwind in Gray County sits at 33/100 — a forward read on distressed supply.
Source data is DLRadar's monthly public-record index. Citation welcome, with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 79002 | 24/100 |
| 2 | 79054 | 24/100 |
| 3 | 79066 | 24/100 |
| 4 | 79065 | 22/100 |
| 5 | 79057 | 21/100 |
| 6 | 79059 | 17/100 |
| 7 | 79039 | 16/100 |
| 8 | 79061 | 16/100 |
| 9 | 79097 | 13/100 |
Most distressed ZIP codes in Gray County (composite distress 0-100, 2026)
What is driving Gray County distress
Gray County's placement in the national index rests on public filings — a 20/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Gray County market phase and pricing
Phase for Gray County: peak (+0.9% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Gray County
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Common questions
Where is distress highest inside Gray County, TX?
ZIP 79002 leads Gray County at 24/100, recomputed monthly from public records.
Which phase does Gray County sit in right now?
Gray County is classified peak with a 0.9% year-over-year increase, following the FHFA House Price Index.
Which datasets feed the Gray County scores?
Every Gray County figure traces to a public source — FHFA House Price Index for the peak trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 9 Gray County ZIP codes that it runs on every other U.S. county, so Gray County's numbers are directly comparable to any other market.
How much do distress scores vary between Gray County ZIP codes?
A county average hides the spread. Across the Gray County ZIPs DLRadar ranks, scores run from 24/100 in 79002 down to 13/100 in 79097, against a Gray County average of 20/100. Because the gap runs to 11 points, Gray County rewards ZIP-level precision.
What do Gray County home values and vacancy say about distressed supply?
The typical Gray County home carries about $104,886 of value against a median household income near $59,177. Vacancy across Gray County's tracked ZIPs runs 19.4% and the poverty rate is 7.4%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Gray County's foreclosure and lien data and its 33/100 lending headwind.
Related
Formula-driven readings of public documents. Not investment, legal or financial advice of any kind; figures refresh from the live index each month.