Grayson County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Grayson County, Texas? DLRadar grades every Grayson County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 31/100. Here is the 2026 Grayson County breakdown.
- Grayson County's most distressed ZIP is 76258 at 31/100.
- 21 ZIP codes tracked in Grayson County, averaging 26/100 distress.
- Grayson County reads contraction — home values down 2.4% year over year, 4.8% off peak.
- Vacancy runs 12.7% across Grayson County's tracked ZIPs, with a 10.2% poverty rate.
- The typical Grayson County home is worth about $272,462 against a ~$72,792 median income.
- Lending headwind in Grayson County sits at 57/100 — a forward read on distressed supply.
Compiled from the DLRadar property-distress index and refreshed monthly. Cite with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 76258 | 31/100 |
| 2 | 75020 | 27/100 |
| 3 | 75021 | 27/100 |
| 4 | 75058 | 27/100 |
| 5 | 75076 | 27/100 |
| 6 | 75090 | 27/100 |
| 7 | 75092 | 27/100 |
| 8 | 75414 | 27/100 |
| 9 | 75459 | 27/100 |
| 10 | 75489 | 27/100 |
| 11 | 75495 | 27/100 |
| 12 | 76245 | 27/100 |
Most distressed ZIP codes in Grayson County (composite distress 0-100, 2026)
What is driving Grayson County distress
Grayson County's placement in the national index rests on public filings — a 26/100 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.
Grayson County market phase and pricing
DLRadar places Grayson County in contraction; prices moved down 2.4% over the year and remain 4.8% under peak. Longer marketing times follow, and with them the sellers worth calling.
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Frequently asked
What is the most distressed ZIP code in Grayson County, TX?
ZIP 76258 leads Grayson County at 31/100, recomputed monthly from public records.
Is Grayson County expanding or contracting?
Phase for Grayson County: contraction, tracking a 2.4% decline year over year, read off the FHFA index.
What are the sources behind these Grayson County numbers?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 21 Grayson County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Grayson County ZIP codes?
A single county score papers over real variation. Across the Grayson County ZIPs DLRadar ranks, scores run from 31/100 in 76258 down to 27/100 in 76245, against a Grayson County average of 26/100. The 4-point range is the argument for ZIP-level search across Grayson County.
What do Grayson County home values and vacancy say about distressed supply?
The typical Grayson County home carries about $272,462 of value against a median household income near $72,792. Vacancy across Grayson County's tracked ZIPs runs 12.7% and the poverty rate is 10.2%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Grayson County's filings and its 57/100 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.