Howard County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Howard County, Texas? DLRadar grades every Howard County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 9/100. Here is the 2026 Howard County breakdown.
- Howard County's most distressed ZIP is 79721 at 9/100.
- 6 ZIP codes tracked in Howard County, averaging 7/100 distress.
- Howard County reads peak — home values up 0.9% year over year.
- Vacancy runs 11.8% across Howard County's tracked ZIPs, with a 18.8% poverty rate.
- The typical Howard County home is worth about $239,250 against a ~$72,960 median income.
- Lending headwind in Howard County sits at 19/100 — a forward read on distressed supply.
Compiled from the DLRadar property-distress index and refreshed monthly. Cite with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 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 ZIP codes in Howard County (composite distress 0-100, 2026)
What is driving Howard County distress
Howard County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 7/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Howard County market phase and pricing
Howard County reads peak — home prices rose 0.9% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Howard County
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Frequently asked questions
Which ZIP code leads Howard County on distress?
ZIP 79721 leads Howard County at 9/100, recomputed monthly from public records.
What market phase is Howard County in?
FHFA price-index movement places Howard County in peak; prices are up 0.9% over twelve months.
What are the sources behind these Howard County numbers?
The inputs are all public: FHFA for the peak path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 6 ZIP codes in Howard County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Howard County ZIP codes?
One county number flattens a wide range. Across the Howard County ZIPs DLRadar ranks, scores run from 9/100 in 79721 down to 5/100 in 79713, against a Howard County average of 7/100. The 4-point range is the argument for ZIP-level search across Howard County.
What do Howard County home values and vacancy say about distressed supply?
The typical Howard County home carries about $239,250 of value against a median household income near $72,960. Vacancy across Howard County's tracked ZIPs runs 11.8% and the poverty rate is 18.8%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Howard County's foreclosure and tax-lien record and its 19/100 lending headwind.
Related
Formula-driven readings of public documents. Not investment, legal or financial advice of any kind; figures refresh from the live index each month.