Grayson County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Grayson County, TX distress report, 2026: 21 ZIPs scored in Grayson, TX, Grayson, TX average 26/100; the top Grayson, TX ZIP is 76258 at 31/100; Grayson, TX market phase contraction, Grayson, TX prices -2.4% year over year.
- Grayson, TX ranks #2,197 nationally (opportunity index); Grayson, TX #193 in Texas; Grayson, TX index 27.0.
- Grayson, TX ninety-day mortgage delinquency 1.6% in December 2025; Grayson, TX twelve-month change +0.9%.
- Grayson, TX ZIP phases: 17 contraction, 4 peak.
- Grayson, TX residential listings tracked: 14 across 17 ZIPs; Grayson, TX candidate listings 7.
- Grayson, TX HUD assisted properties: 9 with 1,097 units.
- Grayson, TX lenders on watch: 8; largest Grayson, TX footprint First State Bank (3 branches).
- Grayson, TX most distressed ZIP: 76258 at 31/100.
Grayson, TX figures: DLRadar distress index; Grayson, TX inputs: CFPB, FHFA, HUD, FDIC; Grayson, TX rebuilt as sources refresh.
| Rank | Grayson, TX ZIP | Score |
|---|---|---|
| 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 | 76240 | 27/100 |
Most distressed Grayson, TX ZIPs (0-100, 2026)
Mortgage delinquency in Grayson, TX
1.6% of Grayson, TX mortgages were ninety-plus days late (Grayson, TX, December 2025); Grayson, TX thirty-to-eighty-nine days late: 2.5%; Grayson, TX twelve-month change +0.9%; Grayson, TX peak since 2008: 3.4% (June 2012); Texas overall 1.2%. Grayson, TX ninety-day series: Dec 24 0.7, Jan 25 1.0, Feb 25 0.9 (Grayson, TX), Mar 25 0.9, Apr 25 0.9, May 25 1.0 (Grayson, TX), Jun 25 0.9, Jul 25 1.4, Aug 25 1.1 (Grayson, TX), Sep 25 1.0, Oct 25 1.2, Nov 25 1.3 (Grayson, TX), Dec 25 1.6.
Opportunity index: Grayson, TX
Grayson, TX index 27.0, Grayson, TX phase weak; Grayson, TX primary driver construction, Grayson, TX second driver bank institutional. Grayson, TX components: property stress 15.8, foreclosure pressure 14.3, listing discounts 17.4, bank stress 59.0, insurance 0.0; Grayson, TX pulse 32.8; Grayson, TX capital opportunity 18.3; Grayson, TX seven-day change +0.3%.
ZIP market phases inside Grayson, TX
21 Grayson, TX ZIPs carry a price-cycle phase; Grayson, TX ZIPs by phase (Grayson, TX), deepest drawdown first: contraction, -2.4% YoY, 4.8% off peak (Grayson, TX): 75020, 75021, 75058, 75076, Grayson, TX 75090, 75092, 75414, 75459, Grayson, TX 75489, 76245, 76264, 76268; contraction, -2.2% YoY, 4.5% off peak (Grayson, TX): 75495; contraction, -1.6% YoY, 3.6% off peak (Grayson, TX): 76233; contraction, -1.0% YoY, 2.8% off peak (Grayson, TX): 76271, 75491.
Residential listings by Grayson, TX ZIP
Grayson, TX ZIPs with the most tracked Grayson, TX residential listings: 75090 2 listings, 0 candidates, bank pressure 63; 75414 2 listings, 2 candidates, bank pressure 63; 75491 2 listings, 2 candidates, bank pressure 61; 76233 2 listings, 2 candidates, bank pressure 61 (Grayson, TX); 76273 2 listings, 0 candidates, bank pressure 61; 75021 1 listings, 0 candidates, bank pressure 63; 75076 1 listings, 1 candidates, bank pressure 63; 75092 1 listings, 0 candidates, bank pressure 63. Grayson, TX totals: 14 listings; Grayson, TX candidates 7; active ZIPs 9.
HUD assisted housing in Grayson, TX
9 assisted properties with 1,097 units sit in Grayson, TX; largest Grayson, TX properties: Northside On Travis (Sherman) 200 units; Creed Canyon Apartments (Knollwood) 176 units; Residence At Gateway Village (Denison) 170 units in Grayson, TX; Steeple Chase Farms Apartments (Sherman) 156 units; Palladium Van Alstyne Senior Living (Van Alstyne) 132 units; Hyde Park Apartment Homes (Denison) 128 units.
Lenders with branches in Grayson, TX
Grayson, TX lenders by branch count: First State Bank (Grayson, TX): stress 80, 3 branches low in Grayson, TX; Legend Bank N A (Grayson, TX): stress 53, 3 branches low in Grayson, TX; Texas Bank (Grayson, TX): stress 64, 2 branches low in Grayson, TX; Woodforest National Bank (Grayson, TX): stress 54, 2 branches low in Grayson, TX; Cendera Bank (Grayson, TX): stress 81, 1 branch low in Grayson, TX; First National Bank Texas (Grayson, TX): stress 77, 1 branch low in Grayson, TX; First Nb Of Tom Bean (Grayson, TX): stress 62, 1 branch low in Grayson, TX; First Texas National Bank (Grayson, TX): stress 41, 1 branch low in Grayson, TX.
Vacancy and permits, Grayson, TX
6,884 of 62,132 Grayson, TX housing units are vacant; Grayson, TX permits, twelve months: 312 multifamily units in Grayson, TX, 1,202 one-to-four unit units.
Work Grayson, TX at the parcel level
Every Grayson, TX parcel carries owner and address; every Grayson, TX parcel carries APN; Grayson, TX distress scores sit on the Grayson, TX live board.
Grayson, TX figures refresh with each source.
Grayson, TX questions
Most distressed ZIP code in Grayson County, TX?
ZIP 76258 leads Grayson, TX at 31/100; next in Grayson, TX: 75020 at 27/100; the Grayson, TX average is 26/100.
Where does Grayson County, TX rank for investment opportunity?
Grayson, TX is #2,197 among all ranked counties, #193 in Texas; the Grayson, TX driver is construction; Grayson, TX moved down 545 places.
How many mortgages are delinquent in Grayson County, TX?
1.6% of Grayson, TX mortgages were ninety-plus days late in December 2025; the Grayson, TX peak since 2008 was 3.4%.
Which banks lend in Grayson County, TX?
8 watched lenders hold Grayson, TX branches; the largest Grayson, TX footprints are First State Bank (3), Legend Bank N A (3), Texas Bank (2).
More on Grayson, TX
Grayson County, TX distress report: public-record figures for Grayson, TX; not legal advice for Grayson, TX; not tax or investment advice; verify every Grayson, TX record before acting.