Gray County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Gray County, TX distress report, 2026: 9 ZIPs scored in Gray, TX, Gray, TX average 18/100; the top Gray, TX ZIP is 79002 at 22/100; Gray, TX market phase peak, Gray, TX prices +0.9% year over year.
- Gray, TX ranks #128 nationally (opportunity index); Gray, TX #17 in Texas; Gray, TX index 36.7.
- Gray, TX: no CFPB county sample; Gray, TX non-metro area reading 1.4%.
- Gray, TX ZIP phases: 9 peak.
- Gray, TX residential listings tracked: 9 across 5 ZIPs; Gray, TX candidate listings 3.
- Gray, TX HUD assisted properties: 1 with 96 units.
- Gray, TX lenders on watch: 3; largest Gray, TX footprint First National Bank Texas (1 branch).
- Gray, TX most distressed ZIP: 79002 at 22/100.
Gray, TX figures: DLRadar distress index; Gray, TX inputs: CFPB, FHFA, HUD, FDIC; Gray, TX rebuilt as sources refresh.
| Rank | Gray, TX ZIP | Score |
|---|---|---|
| 1 | 79002 | 22/100 |
| 2 | 79054 | 22/100 |
| 3 | 79066 | 22/100 |
| 4 | 79065 | 20/100 |
| 5 | 79039 | 18/100 |
| 6 | 79057 | 18/100 |
| 7 | 79059 | 15/100 |
| 8 | 79097 | 14/100 |
| 9 | 79061 | 13/100 |
Most distressed Gray, TX ZIPs (0-100, 2026)
Mortgage delinquency around Gray, TX
No CFPB county sample covers Gray, TX; the non-metro area reading for Gray, TX: 1.4% ninety-plus; Gray, TX area thirty-to-eighty-nine 3.5% (December 2025, Gray, TX); Texas overall 1.2%.
Opportunity index: Gray, TX
Gray, TX index 36.7, Gray, TX phase strong_buy; Gray, TX primary driver vacancy, Gray, TX second driver construction. Gray, TX components: property stress 19.0, foreclosure pressure 21.1, listing discounts 50.7, bank stress 51.5, insurance 0.0; Gray, TX pulse 38.7; Gray, TX capital opportunity 33.8.
ZIP market phases inside Gray, TX
9 Gray, TX ZIPs carry a price-cycle phase; Gray, TX ZIPs by phase (Gray, TX), deepest drawdown first: peak, +2.6% YoY, 0.6% off peak (Gray, TX): 79097; peak, +2.0% YoY, 0.4% off peak (Gray, TX): 79039; peak, +0.9% YoY (Gray, TX): 79002, 79054, 79059, 79065, Gray, TX 79066; peak, +1.5% YoY (Gray, TX): 79057; peak, +1.9% YoY (Gray, TX): 79061.
Residential listings by Gray, TX ZIP
Gray, TX ZIPs with the most tracked Gray, TX residential listings: 79065 9 listings, 3 candidates, bank pressure 51; 79002 0 listings, 0 candidates, bank pressure 53; 79054 0 listings, 0 candidates, bank pressure 53; 79057 0 listings, 0 candidates, bank pressure 58 (Gray, TX); 79066 0 listings, 0 candidates, bank pressure 53. Gray, TX totals: 9 listings; Gray, TX candidates 3; active ZIPs 0.
HUD assisted housing in Gray, TX
1 assisted properties with 96 units sit in Gray, TX; largest Gray, TX properties: Pam Apartments (Pampa) 96 units, 96 assisted.
Lenders with branches in Gray, TX
Gray, TX lenders by branch count: First National Bank Texas (Gray, TX): stress 77, 1 branch low in Gray, TX; Firstbank Southwest (Gray, TX): stress 66, 1 branch low in Gray, TX; Boc Bank (Gray, TX): stress 41, 1 branch low in Gray, TX.
Vacancy and permits, Gray, TX
1,961 of 9,952 Gray, TX housing units are vacant; Gray, TX permits, twelve months: 0 multifamily units in Gray, TX, 4 one-to-four unit units.
Work Gray, TX at the parcel level
Every Gray, TX parcel carries owner and address; every Gray, TX parcel carries APN; Gray, TX distress scores sit on the Gray, TX live board.
Gray, TX figures refresh with each source.
Gray, TX questions
Most distressed ZIP code in Gray County, TX?
ZIP 79002 leads Gray, TX at 22/100; next in Gray, TX: 79054 at 22/100; the Gray, TX average is 18/100.
Where does Gray County, TX rank for investment opportunity?
Gray, TX is #128 among all ranked counties, #17 in Texas; the Gray, TX driver is vacancy; Gray, TX moved up 281 places.
How many mortgages are delinquent in Gray County, TX?
Gray, TX takes the non-metro area reading of 1.4% for December 2025; no CFPB county sample covers Gray, TX.
Which banks lend in Gray County, TX?
3 watched lenders hold Gray, TX branches; the largest Gray, TX footprints are First National Bank Texas (1), Firstbank Southwest (1), Boc Bank (1).
More on Gray, TX
Gray County, TX distress report: public-record figures for Gray, TX; not legal advice for Gray, TX; not tax or investment advice; verify every Gray, TX record before acting.