Guadalupe County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Guadalupe County, Texas? DLRadar grades every Guadalupe County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 36/100. Here is the 2026 Guadalupe County breakdown.
- Guadalupe County's most distressed ZIP is 78154 at 36/100.
- 14 ZIP codes tracked in Guadalupe County, averaging 32/100 distress.
- Guadalupe County reads contraction — home values down 1.2% year over year, 2.0% off peak.
- Vacancy runs 9% across Guadalupe County's tracked ZIPs, with a 9.6% poverty rate.
- The typical Guadalupe County home is worth about $302,221 against a ~$86,330 median income.
- Lending headwind in Guadalupe County sits at 50/100 — a forward read on distressed supply.
Source: the DLRadar property-distress index, rebuilt monthly from public records. Cite it freely with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 78154 | 36/100 |
| 2 | 78124 | 35/100 |
| 3 | 78108 | 34/100 |
| 4 | 78123 | 34/100 |
| 5 | 78155 | 34/100 |
| 6 | 78638 | 34/100 |
| 7 | 78670 | 34/100 |
| 8 | 78130 | 33/100 |
| 9 | 78132 | 31/100 |
| 10 | 78140 | 29/100 |
| 11 | 78655 | 29/100 |
| 12 | 78648 | 28/100 |
Most distressed ZIP codes in Guadalupe County (composite distress 0-100, 2026)
What is driving Guadalupe County distress
DLRadar builds Guadalupe County's distress picture only from records anyone can pull; its ZIPs average 32/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Guadalupe County market phase and pricing
The cycle in Guadalupe County is contraction, with values down 1.2% year over year and 2.0% below peak. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
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Frequently asked
What is the most distressed ZIP code in Guadalupe County, TX?
ZIP 78154 leads Guadalupe County at 36/100, recomputed monthly from public records.
Which phase does Guadalupe County sit in right now?
The market phase for Guadalupe County is contraction, prices falling 1.2% on the year — derived from the FHFA House Price Index path.
How is the Guadalupe County data sourced?
Every Guadalupe County figure traces to a public source — FHFA House Price Index for the contraction trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 14 Guadalupe County ZIP codes that it runs on every other U.S. county, so Guadalupe County's numbers are directly comparable to any other market.
How much do distress scores vary between Guadalupe County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Guadalupe County ZIPs DLRadar ranks, scores run from 36/100 in 78154 down to 28/100 in 78648, against a Guadalupe County average of 32/100. The 8-point range is the argument for ZIP-level search across Guadalupe County.
What do Guadalupe County home values and vacancy say about distressed supply?
The typical Guadalupe County home carries about $302,221 of value against a median household income near $86,330. Vacancy across Guadalupe County's tracked ZIPs runs 9% and the poverty rate is 9.6%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Guadalupe County's filings and its 50/100 lending headwind.
Related
Produced by fixed formulas over public records — research, not investment, legal or financial advice. The underlying index updates monthly.