Howard County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Howard County, TX distress report, 2026: 6 ZIPs scored in Howard, TX, Howard, TX average 7/100; the top Howard, TX ZIP is 79721 at 9/100; Howard, TX market phase peak, Howard, TX prices +0.9% year over year.
- Howard, TX ranks #2,624 nationally (opportunity index); Howard, TX #228 in Texas; Howard, TX index 25.3.
- Howard, TX: no CFPB county sample; Howard, TX non-metro area reading 1.4%.
- Howard, TX ZIP phases: 6 peak.
- Howard, TX residential listings tracked: 2 across 5 ZIPs; Howard, TX candidate listings 0.
- Howard, TX HUD assisted properties: 3 with 323 units.
- Howard, TX lenders on watch: 5; largest Howard, TX footprint Prosperity Bank (2 branches).
- Howard, TX most distressed ZIP: 79721 at 9/100.
Howard, TX figures: DLRadar distress index; Howard, TX inputs: CFPB, FHFA, HUD, FDIC; Howard, TX rebuilt as sources refresh.
| Rank | Howard, TX ZIP | Score |
|---|---|---|
| 1 | 79721 | 9/100 |
| 2 | 79733 | 9/100 |
| 3 | 79511 | 7/100 |
| 4 | 79748 | 7/100 |
| 5 | 79720 | 6/100 |
| 6 | 79713 | 5/100 |
Most distressed Howard, TX ZIPs (0-100, 2026)
Mortgage delinquency around Howard, TX
No CFPB county sample covers Howard, TX; the non-metro area reading for Howard, TX: 1.4% ninety-plus; Howard, TX area thirty-to-eighty-nine 3.5% (December 2025, Howard, TX); Texas overall 1.2%.
Opportunity index: Howard, TX
Howard, TX index 25.3, Howard, TX phase weak; Howard, TX primary driver vacancy, Howard, TX second driver bank institutional. Howard, TX components: property stress 11.8, foreclosure pressure 12.5, listing discounts 32.8, bank stress 47.4, insurance 0.0; Howard, TX pulse 24.9; Howard, TX capital opportunity 26.0.
ZIP market phases inside Howard, TX
6 Howard, TX ZIPs carry a price-cycle phase; Howard, TX ZIPs by phase (Howard, TX), deepest drawdown first: peak, +2.6% YoY, 0.6% off peak (Howard, TX): 79713; peak, +2.0% YoY, 0.4% off peak (Howard, TX): 79748; peak, +1.5% YoY, 0.0% off peak (Howard, TX): 79720; peak, +1.2% YoY (Howard, TX): 79511; peak, +0.9% YoY (Howard, TX): 79721, 79733.
Residential listings by Howard, TX ZIP
Howard, TX ZIPs with the most tracked Howard, TX residential listings: 79720 2 listings, 0 candidates, bank pressure 52; 79511 0 listings, 0 candidates, bank pressure 57; 79721 0 listings, 0 candidates, bank pressure 57; 79733 0 listings, 0 candidates, bank pressure 57 (Howard, TX); 79748 0 listings, 0 candidates, bank pressure 51. Howard, TX totals: 2 listings; Howard, TX candidates 0; active ZIPs 1.
HUD assisted housing in Howard, TX
3 assisted properties with 323 units sit in Howard, TX; largest Howard, TX properties: Canterbury Apts (Big Spring) 179 units, 179 assisted; Park Village - Big Spring (Big Spring) 76 units, 66 assisted; Northcrest Apartments (Big Spring) 68 units, 68 assisted in Howard, TX.
Lenders with branches in Howard, TX
Howard, TX lenders by branch count: Prosperity Bank (Howard, TX): stress 33, 2 branches low in Howard, TX; Texas Financial Bank (Howard, TX): stress 71, 1 branch low in Howard, TX; Western Bank (Howard, TX): stress 58, 1 branch low in Howard, TX; State Nb Of Big Spring (Howard, TX): stress 55, 1 branch low in Howard, TX; Woodforest National Bank (Howard, TX): stress 54, 1 branch low in Howard, TX.
Vacancy and permits, Howard, TX
1,857 of 14,048 Howard, TX housing units are vacant; Howard, TX permits, twelve months: 49 multifamily units in Howard, TX, 31 one-to-four unit units.
Work Howard, TX at the parcel level
Every Howard, TX parcel carries owner and address; every Howard, TX parcel carries APN; Howard, TX distress scores sit on the Howard, TX live board.
Howard, TX figures refresh with each source.
Howard, TX questions
Most distressed ZIP code in Howard County, TX?
ZIP 79721 leads Howard, TX at 9/100; next in Howard, TX: 79733 at 9/100; the Howard, TX average is 7/100.
Where does Howard County, TX rank for investment opportunity?
Howard, TX is #2,624 among all ranked counties, #228 in Texas; the Howard, TX driver is vacancy; Howard, TX moved up 425 places.
How many mortgages are delinquent in Howard County, TX?
Howard, TX takes the non-metro area reading of 1.4% for December 2025; no CFPB county sample covers Howard, TX.
Which banks lend in Howard County, TX?
5 watched lenders hold Howard, TX branches; the largest Howard, TX footprints are Prosperity Bank (2), Texas Financial Bank (1), Western Bank (1).
More on Howard, TX
Howard County, TX distress report: public-record figures for Howard, TX; not legal advice for Howard, TX; not tax or investment advice; verify every Howard, TX record before acting.