Kerr County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Kerr County, Texas? DLRadar grades every Kerr County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 28/100. Here is the 2026 Kerr County breakdown.
- Kerr County's most distressed ZIP is 78010 at 28/100.
- 11 ZIP codes tracked in Kerr County, averaging 26/100 distress.
- Kerr County reads peak — home values up 0.9% year over year.
- Vacancy runs 22.7% across Kerr County's tracked ZIPs, with a 13.8% poverty rate.
- The typical Kerr County home is worth about $316,340 against a ~$69,463 median income.
- Lending headwind in Kerr County sits at 34/100 — a forward read on distressed supply.
Figures: DLRadar distress index, rebuilt monthly from public filings. Free to reuse with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 78010 | 28/100 |
| 2 | 78024 | 28/100 |
| 3 | 78025 | 28/100 |
| 4 | 78029 | 28/100 |
| 5 | 78028 | 27/100 |
| 6 | 78013 | 26/100 |
| 7 | 78058 | 26/100 |
| 8 | 78063 | 26/100 |
| 9 | 78055 | 24/100 |
| 10 | 78631 | 22/100 |
| 11 | 76849 | 19/100 |
Most distressed ZIP codes in Kerr County (composite distress 0-100, 2026)
What is driving Kerr County distress
Kerr County's placement in the national index rests on public filings — a 26/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Kerr County market phase and pricing
Kerr 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 Kerr County
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Questions about this county
What is the most distressed ZIP code in Kerr County, TX?
ZIP 78010 leads Kerr County at 28/100, recomputed monthly from public records.
What stage of the price cycle is Kerr County at?
Kerr County currently sits in peak, with values up 0.9% year on year, based on FHFA price-index trajectory.
How is the Kerr County data sourced?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 11 Kerr County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Kerr County ZIP codes?
One county number flattens a wide range. Across the Kerr County ZIPs DLRadar ranks, scores run from 28/100 in 78010 down to 19/100 in 76849, against a Kerr County average of 26/100. A spread of 9 points means Kerr County has to be worked ZIP by ZIP.
What do Kerr County home values and vacancy say about distressed supply?
The typical Kerr County home carries about $316,340 of value against a median household income near $69,463. Vacancy across Kerr County's tracked ZIPs runs 22.7% and the poverty rate is 13.8%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Kerr County's foreclosure and lien data and its 34/100 lending headwind.
Related
This is a deterministic read of public filings, not advice of any kind — investment, legal or financial. The underlying index updates each month.