Guadalupe County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Guadalupe County, TX distress report, 2026: 14 ZIPs scored in Guadalupe, TX, Guadalupe, TX average 31/100; the top Guadalupe, TX ZIP is 78154 at 35/100; Guadalupe, TX market phase contraction, Guadalupe, TX prices -1.2% year over year.
- Guadalupe, TX ranks #1,089 nationally (opportunity index); Guadalupe, TX #120 in Texas; Guadalupe, TX index 30.8.
- Guadalupe, TX ninety-day mortgage delinquency 1.2% in December 2025; Guadalupe, TX twelve-month change +0.3%.
- Guadalupe, TX ZIP phases: 13 contraction, 1 peak.
- Guadalupe, TX residential listings tracked: 126 across 7 ZIPs; Guadalupe, TX candidate listings 26.
- Guadalupe, TX HUD assisted properties: 6 with 598 units.
- Guadalupe, TX lenders on watch: 8; largest Guadalupe, TX footprint Schertz Bank&Trust (3 branches).
- Guadalupe, TX most distressed ZIP: 78154 at 35/100.
Guadalupe, TX figures: DLRadar distress index; Guadalupe, TX inputs: CFPB, FHFA, HUD, FDIC; Guadalupe, TX rebuilt as sources refresh.
| Rank | Guadalupe, TX ZIP | Score |
|---|---|---|
| 1 | 78154 | 35/100 |
| 2 | 78108 | 34/100 |
| 3 | 78124 | 34/100 |
| 4 | 78638 | 34/100 |
| 5 | 78123 | 33/100 |
| 6 | 78155 | 33/100 |
| 7 | 78670 | 33/100 |
| 8 | 78130 | 32/100 |
| 9 | 78132 | 31/100 |
| 10 | 78140 | 29/100 |
| 11 | 78655 | 29/100 |
| 12 | 78648 | 28/100 |
Most distressed Guadalupe, TX ZIPs (0-100, 2026)
Mortgage delinquency in Guadalupe, TX
1.2% of Guadalupe, TX mortgages were ninety-plus days late (Guadalupe, TX, December 2025); Guadalupe, TX thirty-to-eighty-nine days late: 2.1%; Guadalupe, TX twelve-month change +0.3%; Guadalupe, TX peak since 2008: 2.9% (January 2011); Texas overall 1.2%. Guadalupe, TX ninety-day series: Dec 24 0.9, Jan 25 1.2, Feb 25 1.0 (Guadalupe, TX), Mar 25 1.0, Apr 25 0.8, May 25 0.9 (Guadalupe, TX), Jun 25 0.9, Jul 25 0.8, Aug 25 0.6 (Guadalupe, TX), Sep 25 0.5, Oct 25 0.8, Nov 25 0.9 (Guadalupe, TX), Dec 25 1.2.
Opportunity index: Guadalupe, TX
Guadalupe, TX index 30.8, Guadalupe, TX phase watchlist; Guadalupe, TX primary driver construction, Guadalupe, TX second driver bank institutional. Guadalupe, TX components: property stress 16.5, foreclosure pressure 15.3, listing discounts 39.2, bank stress 59.0, insurance 0.0; Guadalupe, TX pulse 33.0; Guadalupe, TX capital opportunity 27.4; Guadalupe, TX seven-day change -0.2%.
ZIP market phases inside Guadalupe, TX
14 Guadalupe, TX ZIPs carry a price-cycle phase; Guadalupe, TX ZIPs by phase (Guadalupe, TX), deepest drawdown first: contraction, -1.2% YoY, 2.0% off peak (Guadalupe, TX): 78121, 78123, 78124, 78132, Guadalupe, TX 78154, 78155, 78670, 78108, Guadalupe, TX 78130; contraction, -1.1% YoY, 1.9% off peak (Guadalupe, TX): 78638; contraction, -0.8% YoY, 1.5% off peak (Guadalupe, TX): 78655; contraction, -0.6% YoY, 1.3% off peak (Guadalupe, TX): 78666; contraction, -0.3% YoY, 1.2% off peak (Guadalupe, TX): 78648; peak, +1.0% YoY, 0.6% off peak (Guadalupe, TX): 78140.
Residential listings by Guadalupe, TX ZIP
Guadalupe, TX ZIPs with the most tracked Guadalupe, TX residential listings: 78130 49 listings, 13 candidates, bank pressure 63; 78155 49 listings, 9 candidates, bank pressure 60; 78108 21 listings, 3 candidates, bank pressure 62; 78124 4 listings, 0 candidates, bank pressure 61 (Guadalupe, TX); 78638 3 listings, 1 candidates, bank pressure 59; 78123 0 listings, 0 candidates, bank pressure 60; 78670 0 listings, 0 candidates, bank pressure 60. Guadalupe, TX totals: 126 listings; Guadalupe, TX candidates 26; active ZIPs 5.
HUD assisted housing in Guadalupe, TX
6 assisted properties with 598 units sit in Guadalupe, TX; largest Guadalupe, TX properties: Oak Hollow Apartments (Seguin) 160 units; Walnut Grove Apartments (Seguin) 116 units; Stone Ranch Townhomes (Seguin) 104 units in Guadalupe, TX; Stratton Oaks (Seguin) 100 units; Oak Hollow Apartments Phase Ii (Seguin) 96 units; Sunrise Villa (Seguin) 22 units, 21 assisted.
Lenders with branches in Guadalupe, TX
Guadalupe, TX lenders by branch count: Schertz Bank&Trust (Guadalupe, TX): stress 33, 3 branches low in Guadalupe, TX; Broadway National Bank (Guadalupe, TX): stress 59, 2 branches low in Guadalupe, TX; Woodforest National Bank (Guadalupe, TX): stress 54, 2 branches low in Guadalupe, TX; First Nb Of Sonora (Guadalupe, TX): stress 88, 1 branch low in Guadalupe, TX; Frost Bank (Guadalupe, TX): stress 69, 1 branch low in Guadalupe, TX; First Commercial Bank Na (Guadalupe, TX): stress 63, 1 branch low in Guadalupe, TX; Marion State Bank (Guadalupe, TX): stress 53, 1 branch low in Guadalupe, TX; Prosperity Bank (Guadalupe, TX): stress 33, 1 branch low in Guadalupe, TX.
Vacancy and permits, Guadalupe, TX
4,276 of 69,700 Guadalupe, TX housing units are vacant; Guadalupe, TX permits, twelve months: 114 multifamily units in Guadalupe, TX, 1,459 one-to-four unit units.
Work Guadalupe, TX at the parcel level
Every Guadalupe, TX parcel carries owner and address; every Guadalupe, TX parcel carries APN; Guadalupe, TX distress scores sit on the Guadalupe, TX live board.
Guadalupe, TX figures refresh with each source.
Guadalupe, TX questions
Most distressed ZIP code in Guadalupe County, TX?
ZIP 78154 leads Guadalupe, TX at 35/100; next in Guadalupe, TX: 78108 at 34/100; the Guadalupe, TX average is 31/100.
Where does Guadalupe County, TX rank for investment opportunity?
Guadalupe, TX is #1,089 among all ranked counties, #120 in Texas; the Guadalupe, TX driver is construction; Guadalupe, TX moved up 511 places.
How many mortgages are delinquent in Guadalupe County, TX?
1.2% of Guadalupe, TX mortgages were ninety-plus days late in December 2025; the Guadalupe, TX peak since 2008 was 2.9%.
Which banks lend in Guadalupe County, TX?
8 watched lenders hold Guadalupe, TX branches; the largest Guadalupe, TX footprints are Schertz Bank&Trust (3), Broadway National Bank (2), Woodforest National Bank (2).
More on Guadalupe, TX
Guadalupe County, TX distress report: public-record figures for Guadalupe, TX; not legal advice for Guadalupe, TX; not tax or investment advice; verify every Guadalupe, TX record before acting.