Hays County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Hays County, Texas? DLRadar grades every Hays County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 35/100. Here is the 2026 Hays County breakdown.
- Hays County's most distressed ZIP is 78736 at 35/100.
- 14 ZIP codes tracked in Hays County, averaging 29/100 distress.
- Hays County reads contraction — home values down 0.5% year over year, 2.0% off peak.
- Vacancy runs 5.3% across Hays County's tracked ZIPs, with a 7.6% poverty rate.
- The typical Hays County home is worth about $506,164 against a ~$99,674 median income.
- Lending headwind in Hays County sits at 60/100 — 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 | 78736 | 35/100 |
| 2 | 78739 | 35/100 |
| 3 | 78130 | 33/100 |
| 4 | 78652 | 32/100 |
| 5 | 78623 | 31/100 |
| 6 | 78610 | 30/100 |
| 7 | 78737 | 30/100 |
| 8 | 78620 | 28/100 |
| 9 | 78666 | 28/100 |
| 10 | 78619 | 27/100 |
| 11 | 78640 | 27/100 |
| 12 | 78676 | 27/100 |
Most distressed ZIP codes in Hays County (composite distress 0-100, 2026)
What is driving Hays County distress
DLRadar builds Hays County's distress picture only from records anyone can pull; its ZIPs average 29/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Hays County market phase and pricing
Hays County currently sits in contraction after a 0.5% decline in the past twelve months, 2.0% off the high. Slower absorption is the mechanism that converts price weakness into motivated supply.
See the distressed properties behind the data in Hays County
Keep reading the Hays County data at no cost, or open a 60-minute exploration to work the actual distressed parcels inside each ZIP.
Card-free · live data across the whole platform for a week.
Questions and answers
Which part of Hays County, TX scores highest for distress?
ZIP 78736 leads Hays County at 35/100, recomputed monthly from public records.
What stage of the price cycle is Hays County at?
FHFA price-index movement places Hays County in contraction; prices are down 0.5% over twelve months.
What are the sources behind these Hays County numbers?
The inputs are all public: FHFA for the contraction path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 14 ZIP codes in Hays County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Hays County ZIP codes?
A county average hides the spread. Across the Hays County ZIPs DLRadar ranks, scores run from 35/100 in 78736 down to 27/100 in 78676, against a Hays County average of 29/100. Because the gap runs to 8 points, Hays County rewards ZIP-level precision.
What do Hays County home values and vacancy say about distressed supply?
The typical Hays County home carries about $506,164 of value against a median household income near $99,674. Vacancy across Hays County's tracked ZIPs runs 5.3% and the poverty rate is 7.6%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Hays County's foreclosure and tax-lien filings and its 60/100 lending headwind.
Related
Produced by fixed formulas over public records — research, not investment, legal or financial advice. The underlying index updates monthly.