Harris County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Harris County, Texas? DLRadar grades every Harris County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 38/100. Here is the 2026 Harris County breakdown.
- Harris County's most distressed ZIP is 77365 at 38/100.
- 143 ZIP codes tracked in Harris County, averaging 37/100 distress.
- Harris County reads recovery — home values up 2.7% year over year.
- Vacancy runs 8.8% across Harris County's tracked ZIPs, with a 16.5% poverty rate.
- The typical Harris County home is worth about $312,975 against a ~$81,887 median income.
- Lending headwind in Harris County sits at 45/100 — a forward read on distressed supply.
Figures: DLRadar distress index, rebuilt monthly from public filings. Free to reuse with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 77365 | 38/100 |
| 2 | 77073 | 37/100 |
| 3 | 77044 | 37/100 |
| 4 | 77502 | 37/100 |
| 5 | 77357 | 37/100 |
| 6 | 77373 | 37/100 |
| 7 | 77036 | 37/100 |
| 8 | 77067 | 37/100 |
| 9 | 77057 | 37/100 |
| 10 | 77026 | 37/100 |
| 11 | 77345 | 37/100 |
| 12 | 77035 | 37/100 |
Most distressed ZIP codes in Harris County (composite distress 0-100, 2026)
What is driving Harris County distress
The Harris County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 37/100 ZIP average. No proprietary or modelled inputs enter the score.
Harris County market phase and pricing
DLRadar places Harris County in recovery; prices moved up 2.7% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Harris County
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Frequently asked questions
Which ZIP code leads Harris County on distress?
ZIP 77365 leads Harris County at 38/100, recomputed monthly from public records.
What stage of the price cycle is Harris County at?
Harris County reads recovery, with home prices up 2.7% year over year. Phase comes from FHFA House Price Index trajectory.
Can the Harris County figures be verified?
Each Harris County number can be traced back to a federal or county source — FHFA, CFPB, the recorder, FEMA/NFIP and Census ACS. One deterministic model covers all 143 local ZIPs and every other county in the country.
How much do distress scores vary between Harris County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Harris County ZIPs DLRadar ranks, scores run from 38/100 in 77365 down to 37/100 in 77035, against a Harris County average of 37/100. Those 1 points separate the ZIPs worth working in Harris County from the rest.
What do Harris County home values and vacancy say about distressed supply?
The typical Harris County home carries about $312,975 of value against a median household income near $81,887. Vacancy across Harris County's tracked ZIPs runs 8.8% and the poverty rate is 16.5%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Harris County's foreclosure and tax-lien filings and its 45/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.