Harris County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Harris County, TX distress report, 2026: 143 ZIPs scored in Harris, TX, Harris, TX average 36/100; the top Harris, TX ZIP is 77365 at 38/100; Harris, TX market phase recovery, Harris, TX prices +2.7% year over year.
- Harris, TX ranks #857 nationally (opportunity index); Harris, TX #102 in Texas; Harris, TX index 31.7.
- Harris, TX ninety-day mortgage delinquency 1.4% in December 2025; Harris, TX twelve-month change +0.1%.
- Harris, TX ZIP phases: 143 recovery.
- Harris, TX residential listings tracked: 1,532 across 60 ZIPs; Harris, TX candidate listings 493.
- Harris, TX HUD assisted properties: 161 with 22,581 units.
- Harris, TX lenders on watch: 8; largest Harris, TX footprint Woodforest National Bank (63 branches).
- Harris, TX most distressed ZIP: 77365 at 38/100.
Harris, TX figures: DLRadar distress index; Harris, TX inputs: CFPB, FHFA, HUD, FDIC; Harris, TX rebuilt as sources refresh.
| Rank | Harris, TX ZIP | Score |
|---|---|---|
| 1 | 77365 | 38/100 |
| 2 | 77357 | 37/100 |
| 3 | 77581 | 37/100 |
| 4 | 77002 | 36/100 |
| 5 | 77003 | 36/100 |
| 6 | 77004 | 36/100 |
| 7 | 77005 | 36/100 |
| 8 | 77006 | 36/100 |
| 9 | 77007 | 36/100 |
| 10 | 77008 | 36/100 |
| 11 | 77009 | 36/100 |
| 12 | 77010 | 36/100 |
Most distressed Harris, TX ZIPs (0-100, 2026)
Mortgage delinquency in Harris, TX
1.4% of Harris, TX mortgages were ninety-plus days late (Harris, TX, December 2025); Harris, TX thirty-to-eighty-nine days late: 3.3%; Harris, TX twelve-month change +0.1%; Harris, TX peak since 2008: 4.3% (January 2010); Texas overall 1.2%. Harris, TX ninety-day series: Dec 24 1.3, Jan 25 1.3, Feb 25 1.2 (Harris, TX), Mar 25 1.0, Apr 25 1.0, May 25 1.1 (Harris, TX), Jun 25 1.1, Jul 25 1.1, Aug 25 1.1 (Harris, TX), Sep 25 1.2, Oct 25 1.2, Nov 25 1.2 (Harris, TX), Dec 25 1.4.
Opportunity index: Harris, TX
Harris, TX index 31.7, Harris, TX phase watchlist; Harris, TX primary driver bank institutional, Harris, TX second driver construction. Harris, TX components: property stress 19.9, foreclosure pressure 18.9, listing discounts 38.9, bank stress 56.2, insurance 0.0; Harris, TX pulse 32.9; Harris, TX capital opportunity 29.8; Harris, TX seven-day change -0.1%.
ZIP market phases inside Harris, TX
143 Harris, TX ZIPs carry a price-cycle phase; Harris, TX ZIPs by phase (Harris, TX), deepest drawdown first: recovery, +2.7% YoY (Harris, TX): 77002, 77003, 77004, 77005, Harris, TX 77006, 77007, 77008, 77009, Harris, TX 77010, 77011, 77012, 77013, Harris, TX 77014, 77015, 77016, 77017.
Residential listings by Harris, TX ZIP
Harris, TX ZIPs with the most tracked Harris, TX residential listings: 77493 134 listings, 42 candidates, bank pressure 57; 77346 88 listings, 31 candidates, bank pressure 57; 77447 68 listings, 30 candidates, bank pressure 58; 77373 64 listings, 5 candidates, bank pressure 57 (Harris, TX); 77532 60 listings, 27 candidates, bank pressure 57; 77449 48 listings, 8 candidates, bank pressure 57; 77433 46 listings, 18 candidates, bank pressure 57; 77379 41 listings, 6 candidates, bank pressure 57. Harris, TX totals: 1,532 listings; Harris, TX candidates 493; active ZIPs 60.
HUD assisted housing in Harris, TX
161 assisted properties with 22,581 units sit in Harris, TX; largest Harris, TX properties: Catalina Apartments (Houston) 432 units; Cinnamon Ridge (Pasadena) 410 units; Houston House (Houston) 396 units in Harris, TX; Bellatera At Deerbrook (Humble) 360 units; Sebring Apartments (Vacant Land)-Uaonly (Houston) 360 units; Arielle Springwoods (Spring) 340 units.
Lenders with branches in Harris, TX
Harris, TX lenders by branch count: Woodforest National Bank (Harris, TX): stress 54, 63 branches low in Harris, TX; Frost Bank (Harris, TX): stress 69, 46 branches low in Harris, TX; First National Bank Texas (Harris, TX): stress 77, 42 branches low in Harris, TX; Prosperity Bank (Harris, TX): stress 33, 33 branches low in Harris, TX; Stellar Bank (Harris, TX): stress 71, 25 branches low in Harris, TX; Capital Bank (Harris, TX): stress 55, 7 branches low in Harris, TX; International Bk Of Com (Harris, TX): stress 3, 7 branches low in Harris, TX; Plainscapital Bank (Harris, TX): stress 66, 5 branches low in Harris, TX.
Vacancy and permits, Harris, TX
160,626 of 1,917,790 Harris, TX housing units are vacant; Harris, TX permits, twelve months: 10,535 multifamily units in Harris, TX, 18,387 one-to-four unit units.
Work Harris, TX at the parcel level
Every Harris, TX parcel carries owner and address; every Harris, TX parcel carries APN; Harris, TX distress scores sit on the Harris, TX live board.
Harris, TX figures refresh with each source.
Harris, TX questions
Most distressed ZIP code in Harris County, TX?
ZIP 77365 leads Harris, TX at 38/100; next in Harris, TX: 77357 at 37/100; the Harris, TX average is 36/100.
Where does Harris County, TX rank for investment opportunity?
Harris, TX is #857 among all ranked counties, #102 in Texas; the Harris, TX driver is bank institutional; Harris, TX moved up 768 places.
How many mortgages are delinquent in Harris County, TX?
1.4% of Harris, TX mortgages were ninety-plus days late in December 2025; the Harris, TX peak since 2008 was 4.3%.
Which banks lend in Harris County, TX?
8 watched lenders hold Harris, TX branches; the largest Harris, TX footprints are Woodforest National Bank (63), Frost Bank (46), First National Bank Texas (42).
More on Harris, TX
Harris County, TX distress report: public-record figures for Harris, TX; not legal advice for Harris, TX; not tax or investment advice; verify every Harris, TX record before acting.