Hamilton County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Hamilton County, Texas? DLRadar grades every Hamilton County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 23/100. Here is the 2026 Hamilton County breakdown.
- Hamilton County's most distressed ZIP is 76566 at 23/100.
- 10 ZIP codes tracked in Hamilton County, averaging 14/100 distress.
- Hamilton County reads peak — home values up 2.0% year over year.
- Vacancy runs 26.8% across Hamilton County's tracked ZIPs, with a 13.2% poverty rate.
- The typical Hamilton County home is worth about $202,463 against a ~$63,101 median income.
- Lending headwind in Hamilton County sits at 64/100 — a forward read on distressed supply.
All numbers: DLRadar's monthly public-record distress index. Reuse is welcome with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 76566 | 23/100 |
| 2 | 76457 | 21/100 |
| 3 | 76525 | 20/100 |
| 4 | 76538 | 18/100 |
| 5 | 76637 | 17/100 |
| 6 | 76436 | 9/100 |
| 7 | 76531 | 9/100 |
| 8 | 76565 | 9/100 |
| 9 | 76442 | 8/100 |
| 10 | 76844 | 8/100 |
Most distressed ZIP codes in Hamilton County (composite distress 0-100, 2026)
What is driving Hamilton County distress
Nothing here is estimated: Hamilton County is scored from filings alone, and its ZIPs average 14/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Hamilton County market phase and pricing
Phase for Hamilton County: peak (+2.0% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Hamilton County
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What people ask
Which ZIP code leads Hamilton County on distress?
ZIP 76566 leads Hamilton County at 23/100, recomputed monthly from public records.
Which phase does Hamilton County sit in right now?
Hamilton County currently sits in peak, with values up 2.0% year on year, based on FHFA price-index trajectory.
Which datasets feed the Hamilton County scores?
Hamilton County draws on FHFA (peak trajectory), CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS — every one a public source. The scoring model does not change between counties, so these 10 ZIPs are comparable to anywhere else.
How much do distress scores vary between Hamilton County ZIP codes?
One county number flattens a wide range. Across the Hamilton County ZIPs DLRadar ranks, scores run from 23/100 in 76566 down to 8/100 in 76844, against a Hamilton County average of 14/100. Because the gap runs to 15 points, Hamilton County rewards ZIP-level precision.
What do Hamilton County home values and vacancy say about distressed supply?
The typical Hamilton County home carries about $202,463 of value against a median household income near $63,101. Vacancy across Hamilton County's tracked ZIPs runs 26.8% and the poverty rate is 13.2%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Hamilton County's foreclosure and lien data and its 64/100 lending headwind.
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Produced by fixed formulas over public records — research, not investment, legal or financial advice. The underlying index updates monthly.