Hays County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Hays County, TX distress report, 2026: 14 ZIPs scored in Hays, TX, Hays, TX average 29/100; the top Hays, TX ZIP is 78736 at 34/100; Hays, TX market phase contraction, Hays, TX prices -0.5% year over year.
- Hays, TX ranks #1,211 nationally (opportunity index); Hays, TX #128 in Texas; Hays, TX index 30.4.
- Hays, TX ninety-day mortgage delinquency 0.9% in December 2025; Hays, TX twelve-month change +0.3%.
- Hays, TX ZIP phases: 13 contraction, 1 peak.
- Hays, TX residential listings tracked: 196 across 7 ZIPs; Hays, TX candidate listings 66.
- Hays, TX HUD assisted properties: 12 with 1,320 units.
- Hays, TX lenders on watch: 8; largest Hays, TX footprint Frost Bank (5 branches).
- Hays, TX most distressed ZIP: 78736 at 34/100.
Hays, TX figures: DLRadar distress index; Hays, TX inputs: CFPB, FHFA, HUD, FDIC; Hays, TX rebuilt as sources refresh.
| Rank | Hays, TX ZIP | Score |
|---|---|---|
| 1 | 78736 | 34/100 |
| 2 | 78739 | 34/100 |
| 3 | 78130 | 32/100 |
| 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 Hays, TX ZIPs (0-100, 2026)
Mortgage delinquency in Hays, TX
0.9% of Hays, TX mortgages were ninety-plus days late (Hays, TX, December 2025); Hays, TX thirty-to-eighty-nine days late: 1.8%; Hays, TX twelve-month change +0.3%; Hays, TX peak since 2008: 3.6% (February 2010); Texas overall 1.2%. Hays, TX ninety-day series: Dec 24 0.6, Jan 25 0.6, Feb 25 0.7 (Hays, TX), Mar 25 0.6, Apr 25 0.6, May 25 0.7 (Hays, TX), Jun 25 1.0, Jul 25 1.0, Aug 25 1.0 (Hays, TX), Sep 25 1.0, Oct 25 0.8, Nov 25 0.8 (Hays, TX), Dec 25 0.9.
Opportunity index: Hays, TX
Hays, TX index 30.4, Hays, TX phase watchlist; Hays, TX primary driver construction, Hays, TX second driver bank institutional. Hays, TX components: property stress 21.0, foreclosure pressure 24.3, listing discounts 33.3, bank stress 57.6, insurance 0.0; Hays, TX pulse 33.3; Hays, TX capital opportunity 26.3; Hays, TX seven-day change -0.1%.
ZIP market phases inside Hays, TX
14 Hays, TX ZIPs carry a price-cycle phase; Hays, TX ZIPs by phase (Hays, TX), deepest drawdown first: contraction, -1.2% YoY, 2.0% off peak (Hays, TX): 78130; contraction, -1.1% YoY, 1.9% off peak (Hays, TX): 78623; contraction, -0.6% YoY, 1.3% off peak (Hays, TX): 78666; contraction, -0.5% YoY, 1.1% off peak (Hays, TX): 78610, 78619, 78640, 78652, Hays, TX 78656, 78736, 78737, 78739; contraction, -0.3% YoY, 1.1% off peak (Hays, TX): 78620, 78676; peak, +1.9% YoY, 0.1% off peak (Hays, TX): 78663.
Residential listings by Hays, TX ZIP
Hays, TX ZIPs with the most tracked Hays, TX residential listings: 78640 95 listings, 40 candidates, bank pressure 60; 78610 45 listings, 12 candidates, bank pressure 60; 78666 44 listings, 13 candidates, bank pressure 62; 78619 3 listings, 0 candidates, bank pressure 63 (Hays, TX); 78620 3 listings, 1 candidates, bank pressure 61; 78676 3 listings, 0 candidates, bank pressure 64; 78737 3 listings, 0 candidates, bank pressure 61. Hays, TX totals: 196 listings; Hays, TX candidates 66; active ZIPs 7.
HUD assisted housing in Hays, TX
12 assisted properties with 1,320 units sit in Hays, TX; largest Hays, TX properties: Residence At San Marcos (San Marcos) 240 units; Fairway Landing At Plum Creek (Kyle) 216 units; La Vista Apartments (San Marcos) 200 units in Hays, TX; Plum Creek Vue (Kyle) 180 units; Creekside Villas Senior Village (Buda) 144 units; The Huntington At Buda (Buda) 120 units.
Lenders with branches in Hays, TX
Hays, TX lenders by branch count: Frost Bank (Hays, TX): stress 69, 5 branches low in Hays, TX; Ozona Bank (Hays, TX): stress 79, 4 branches low in Hays, TX; Broadway National Bank (Hays, TX): stress 59, 4 branches low in Hays, TX; Texas Regional Bank (Hays, TX): stress 87, 3 branches low in Hays, TX; First Lockhart Bank (Hays, TX): stress 80, 2 branches low in Hays, TX; First National Bank Texas (Hays, TX): stress 77, 2 branches low in Hays, TX; Sunflower Bank National Assn (Hays, TX): stress 76, 2 branches low in Hays, TX; Trusttexas Bank Ssb (Hays, TX): stress 96, 1 branch low in Hays, TX.
Vacancy and permits, Hays, TX
4,826 of 104,675 Hays, TX housing units are vacant; Hays, TX permits, twelve months: 791 multifamily units in Hays, TX, 3,771 one-to-four unit units.
Work Hays, TX at the parcel level
Every Hays, TX parcel carries owner and address; every Hays, TX parcel carries APN; Hays, TX distress scores sit on the Hays, TX live board.
Hays, TX figures refresh with each source.
Hays, TX questions
Most distressed ZIP code in Hays County, TX?
ZIP 78736 leads Hays, TX at 34/100; next in Hays, TX: 78739 at 34/100; the Hays, TX average is 29/100.
Where does Hays County, TX rank for investment opportunity?
Hays, TX is #1,211 among all ranked counties, #128 in Texas; the Hays, TX driver is construction; Hays, TX moved up 263 places.
How many mortgages are delinquent in Hays County, TX?
0.9% of Hays, TX mortgages were ninety-plus days late in December 2025; the Hays, TX peak since 2008 was 3.6%.
Which banks lend in Hays County, TX?
8 watched lenders hold Hays, TX branches; the largest Hays, TX footprints are Frost Bank (5), Ozona Bank (4), Broadway National Bank (4).
More on Hays, TX
Hays County, TX distress report: public-record figures for Hays, TX; not legal advice for Hays, TX; not tax or investment advice; verify every Hays, TX record before acting.