Karnes County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Karnes County, TX distress report, 2026: 10 ZIPs scored in Karnes, TX, Karnes, TX average 16/100; the top Karnes, TX ZIP is 78140 at 29/100; Karnes, TX market phase peak, Karnes, TX prices +2.0% year over year.
- Karnes, TX ranks #554 nationally (opportunity index); Karnes, TX #72 in Texas; Karnes, TX index 33.1.
- Karnes, TX: no CFPB county sample; Karnes, TX non-metro area reading 1.4%.
- Karnes, TX ZIP phases: 9 peak, 1 contraction.
- Karnes, TX residential listings tracked: 3 across 7 ZIPs; Karnes, TX candidate listings 0.
- Karnes, TX lenders on watch: 3; largest Karnes, TX footprint Karnes Cnty Nb Of Karnes Cty (2 branches).
- Karnes, TX most distressed ZIP: 78140 at 29/100.
Karnes, TX figures: DLRadar distress index; Karnes, TX inputs: CFPB, FHFA, HUD, FDIC; Karnes, TX rebuilt as sources refresh.
| Rank | Karnes, TX ZIP | Score |
|---|---|---|
| 1 | 78140 | 29/100 |
| 2 | 78141 | 22/100 |
| 3 | 78113 | 21/100 |
| 4 | 78119 | 16/100 |
| 5 | 78118 | 13/100 |
| 6 | 78151 | 13/100 |
| 7 | 78111 | 12/100 |
| 8 | 78116 | 12/100 |
| 9 | 78117 | 12/100 |
| 10 | 78144 | 12/100 |
Most distressed Karnes, TX ZIPs (0-100, 2026)
Mortgage delinquency around Karnes, TX
No CFPB county sample covers Karnes, TX; the non-metro area reading for Karnes, TX: 1.4% ninety-plus; Karnes, TX area thirty-to-eighty-nine 3.5% (December 2025, Karnes, TX); Texas overall 1.2%.
Opportunity index: Karnes, TX
Karnes, TX index 33.1, Karnes, TX phase peak_opportunity; Karnes, TX primary driver vacancy, Karnes, TX second driver bank institutional. Karnes, TX components: property stress 17.9, foreclosure pressure 19.9, listing discounts 38.2, bank stress 60.1, insurance 0.0; Karnes, TX pulse 37.3; Karnes, TX capital opportunity 26.8; Karnes, TX seven-day change +0.6%.
ZIP market phases inside Karnes, TX
10 Karnes, TX ZIPs carry a price-cycle phase; Karnes, TX ZIPs by phase (Karnes, TX), deepest drawdown first: contraction, -0.3% YoY, 1.4% off peak (Karnes, TX): 78113; peak, +1.0% YoY, 0.6% off peak (Karnes, TX): 78140; peak, +1.9% YoY, 0.1% off peak (Karnes, TX): 78118; peak, +2.0% YoY (Karnes, TX): 78111, 78116, 78117, 78141, Karnes, TX 78144, 78151; peak, +1.6% YoY (Karnes, TX): 78119.
Residential listings by Karnes, TX ZIP
Karnes, TX ZIPs with the most tracked Karnes, TX residential listings: 78118 2 listings, 0 candidates, bank pressure 65; 78119 1 listings, 0 candidates, bank pressure 62; 78111 0 listings, 0 candidates, bank pressure 62; 78116 0 listings, 0 candidates, bank pressure 62 (Karnes, TX); 78117 0 listings, 0 candidates, bank pressure 62; 78144 0 listings, 0 candidates, bank pressure 62; 78151 0 listings, 0 candidates, bank pressure 63. Karnes, TX totals: 3 listings; Karnes, TX candidates 0; active ZIPs 2.
Lenders with branches in Karnes, TX
Karnes, TX lenders by branch count: Karnes Cnty Nb Of Karnes Cty (Karnes, TX): stress 83, 2 branches elevated in Karnes, TX; Texas Champion Bank (Karnes, TX): stress 69, 1 branch elevated in Karnes, TX; Falls City National Bank (Karnes, TX): stress 28, 1 branch low in Karnes, TX.
Vacancy and permits, Karnes, TX
1,245 of 5,975 Karnes, TX housing units are vacant; Karnes, TX permits, twelve months: 0 multifamily units in Karnes, TX, 63 one-to-four unit units.
Work Karnes, TX at the parcel level
Every Karnes, TX parcel carries owner and address; every Karnes, TX parcel carries APN; Karnes, TX distress scores sit on the Karnes, TX live board.
Karnes, TX figures refresh with each source.
Karnes, TX questions
Most distressed ZIP code in Karnes County, TX?
ZIP 78140 leads Karnes, TX at 29/100; next in Karnes, TX: 78141 at 22/100; the Karnes, TX average is 16/100.
Where does Karnes County, TX rank for investment opportunity?
Karnes, TX is #554 among all ranked counties, #72 in Texas; the Karnes, TX driver is vacancy; Karnes, TX moved up 93 places.
How many mortgages are delinquent in Karnes County, TX?
Karnes, TX takes the non-metro area reading of 1.4% for December 2025; no CFPB county sample covers Karnes, TX.
Which banks lend in Karnes County, TX?
3 watched lenders hold Karnes, TX branches; the largest Karnes, TX footprints are Karnes Cnty Nb Of Karnes Cty (2), Texas Champion Bank (1), Falls City National Bank (1).
More on Karnes, TX
Karnes County, TX distress report: public-record figures for Karnes, TX; not legal advice for Karnes, TX; not tax or investment advice; verify every Karnes, TX record before acting.