Kerr County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Kerr County, TX distress report, 2026: 11 ZIPs scored in Kerr, TX, Kerr, TX average 28/100; the top Kerr, TX ZIP is 78063 at 32/100; Kerr, TX market phase peak, Kerr, TX prices +0.9% year over year.
- Kerr, TX ranks #1,780 nationally (opportunity index); Kerr, TX #164 in Texas; Kerr, TX index 28.5.
- Kerr, TX: no CFPB county sample; Kerr, TX non-metro area reading 1.4%.
- Kerr, TX ZIP phases: 8 peak, 3 contraction.
- Kerr, TX residential listings tracked: 12 across 6 ZIPs; Kerr, TX candidate listings 7.
- Kerr, TX HUD assisted properties: 6 with 335 units.
- Kerr, TX lenders on watch: 8; largest Kerr, TX footprint Security State Bank&Trust (3 branches).
- Kerr, TX most distressed ZIP: 78063 at 32/100.
Kerr, TX figures: DLRadar distress index; Kerr, TX inputs: CFPB, FHFA, HUD, FDIC; Kerr, TX rebuilt as sources refresh.
| Rank | Kerr, TX ZIP | Score |
|---|---|---|
| 1 | 78063 | 32/100 |
| 2 | 78055 | 31/100 |
| 3 | 78010 | 29/100 |
| 4 | 78024 | 29/100 |
| 5 | 78025 | 29/100 |
| 6 | 78028 | 29/100 |
| 7 | 78029 | 29/100 |
| 8 | 78058 | 28/100 |
| 9 | 78013 | 27/100 |
| 10 | 78631 | 26/100 |
| 11 | 76849 | 20/100 |
Most distressed Kerr, TX ZIPs (0-100, 2026)
Mortgage delinquency around Kerr, TX
No CFPB county sample covers Kerr, TX; the non-metro area reading for Kerr, TX: 1.4% ninety-plus; Kerr, TX area thirty-to-eighty-nine 3.5% (December 2025, Kerr, TX); Texas overall 1.2%.
Opportunity index: Kerr, TX
Kerr, TX index 28.5, Kerr, TX phase early_signal; Kerr, TX primary driver vacancy, Kerr, TX second driver bank institutional. Kerr, TX components: property stress 23.4, foreclosure pressure 24.8, listing discounts 24.9, bank stress 54.7, insurance 0.0; Kerr, TX pulse 31.7; Kerr, TX capital opportunity 23.7; Kerr, TX seven-day change -0.2%.
ZIP market phases inside Kerr, TX
11 Kerr, TX ZIPs carry a price-cycle phase; Kerr, TX ZIPs by phase (Kerr, TX), deepest drawdown first: contraction, -1.2% YoY, 2.0% off peak (Kerr, TX): 78063; contraction, -1.1% YoY, 1.9% off peak (Kerr, TX): 78055; contraction, -0.1% YoY, 1.0% off peak (Kerr, TX): 78013; peak, +2.0% YoY (Kerr, TX): 76849; peak, +0.9% YoY (Kerr, TX): 78010, 78025, 78028, 78029; peak, +1.0% YoY (Kerr, TX): 78024; peak, +1.1% YoY (Kerr, TX): 78058; peak, +1.5% YoY (Kerr, TX): 78631.
Residential listings by Kerr, TX ZIP
Kerr, TX ZIPs with the most tracked Kerr, TX residential listings: 78028 7 listings, 6 candidates, bank pressure 59; 78025 2 listings, 0 candidates, bank pressure 60; 78058 2 listings, 0 candidates, bank pressure 60; 78010 1 listings, 1 candidates, bank pressure 60 (Kerr, TX); 78024 0 listings, 0 candidates, bank pressure 61; 78029 0 listings, 0 candidates, bank pressure 60. Kerr, TX totals: 12 listings; Kerr, TX candidates 7; active ZIPs 0.
HUD assisted housing in Kerr, TX
6 assisted properties with 335 units sit in Kerr, TX; largest Kerr, TX properties: Gardens At Clearwater (Kerrville) 80 units; Mustang Heights Apartments (Kerrville) 80 units; Paseo De Paz Apartments (Kerrville) 76 units in Kerr, TX; Brookhollow Apartments (Kerrville) 48 units, 48 assisted; Kerrville Oaks Apartments (Kerrville) 36 units, 36 assisted; Cedar Elm Place (Kerrville) 15 units, 14 assisted.
Lenders with branches in Kerr, TX
Kerr, TX lenders by branch count: Security State Bank&Trust (Kerr, TX): stress 46, 3 branches low in Kerr, TX; Prosperity Bank (Kerr, TX): stress 33, 2 branches low in Kerr, TX; Texas Regional Bank (Kerr, TX): stress 87, 1 branch low in Kerr, TX; First National Bank Texas (Kerr, TX): stress 77, 1 branch low in Kerr, TX; Sunflower Bank National Assn (Kerr, TX): stress 76, 1 branch low in Kerr, TX; Frost Bank (Kerr, TX): stress 69, 1 branch low in Kerr, TX; Guadalupe Bank (Kerr, TX): stress 66, 1 branch low in Kerr, TX; Bank&Trust Ssb (Kerr, TX): stress 64, 1 branch low in Kerr, TX.
Vacancy and permits, Kerr, TX
3,017 of 25,632 Kerr, TX housing units are vacant; Kerr, TX permits, twelve months: 163 multifamily units in Kerr, TX, 117 one-to-four unit units.
Work Kerr, TX at the parcel level
Every Kerr, TX parcel carries owner and address; every Kerr, TX parcel carries APN; Kerr, TX distress scores sit on the Kerr, TX live board.
Kerr, TX figures refresh with each source.
Kerr, TX questions
Most distressed ZIP code in Kerr County, TX?
ZIP 78063 leads Kerr, TX at 32/100; next in Kerr, TX: 78055 at 31/100; the Kerr, TX average is 28/100.
Where does Kerr County, TX rank for investment opportunity?
Kerr, TX is #1,780 among all ranked counties, #164 in Texas; the Kerr, TX driver is vacancy; Kerr, TX moved up 55 places.
How many mortgages are delinquent in Kerr County, TX?
Kerr, TX takes the non-metro area reading of 1.4% for December 2025; no CFPB county sample covers Kerr, TX.
Which banks lend in Kerr County, TX?
8 watched lenders hold Kerr, TX branches; the largest Kerr, TX footprints are Security State Bank&Trust (3), Prosperity Bank (2), Texas Regional Bank (1).
More on Kerr, TX
Kerr County, TX distress report: public-record figures for Kerr, TX; not legal advice for Kerr, TX; not tax or investment advice; verify every Kerr, TX record before acting.