Lubbock County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Lubbock County, TX distress report, 2026: 26 ZIPs scored in Lubbock, TX, Lubbock, TX average 23/100; the top Lubbock, TX ZIP is 79329 at 25/100; Lubbock, TX market phase neutral, Lubbock, TX prices +2.5% year over year.
- Lubbock, TX ranks #2,051 nationally (opportunity index); Lubbock, TX #184 in Texas; Lubbock, TX index 27.5.
- Lubbock, TX ninety-day mortgage delinquency 1.0% in December 2025; Lubbock, TX twelve-month change +0.3%.
- Lubbock, TX ZIP phases: 22 neutral, 3 peak, 1 recovery.
- Lubbock, TX residential listings tracked: 75 across 20 ZIPs; Lubbock, TX candidate listings 27.
- Lubbock, TX HUD assisted properties: 16 with 2,082 units.
- Lubbock, TX lenders on watch: 8; largest Lubbock, TX footprint Prosperity Bank (18 branches).
- Lubbock, TX most distressed ZIP: 79329 at 25/100.
Lubbock, TX figures: DLRadar distress index; Lubbock, TX inputs: CFPB, FHFA, HUD, FDIC; Lubbock, TX rebuilt as sources refresh.
| Rank | Lubbock, TX ZIP | Score |
|---|---|---|
| 1 | 79329 | 25/100 |
| 2 | 79350 | 25/100 |
| 3 | 79366 | 25/100 |
| 4 | 79382 | 25/100 |
| 5 | 79401 | 25/100 |
| 6 | 79402 | 25/100 |
| 7 | 79403 | 25/100 |
| 8 | 79404 | 25/100 |
| 9 | 79406 | 25/100 |
| 10 | 79410 | 25/100 |
| 11 | 79411 | 25/100 |
| 12 | 79412 | 25/100 |
Most distressed Lubbock, TX ZIPs (0-100, 2026)
Mortgage delinquency in Lubbock, TX
1.0% of Lubbock, TX mortgages were ninety-plus days late (Lubbock, TX, December 2025); Lubbock, TX thirty-to-eighty-nine days late: 2.3%; Lubbock, TX twelve-month change +0.3%; Lubbock, TX peak since 2008: 2.8% (February 2013); Texas overall 1.2%. Lubbock, TX ninety-day series: Dec 24 0.7, Jan 25 0.7, Feb 25 0.5 (Lubbock, TX), Mar 25 0.3, Apr 25 0.3, May 25 0.5 (Lubbock, TX), Jun 25 0.5, Jul 25 0.3, Aug 25 0.5 (Lubbock, TX), Sep 25 0.4, Oct 25 0.5, Nov 25 0.7 (Lubbock, TX), Dec 25 1.0.
Opportunity index: Lubbock, TX
Lubbock, TX index 27.5, Lubbock, TX phase weak; Lubbock, TX primary driver vacancy, Lubbock, TX second driver construction. Lubbock, TX components: property stress 11.1, foreclosure pressure 10.7, listing discounts 33.9, bank stress 52.6, insurance 0.0; Lubbock, TX pulse 28.9; Lubbock, TX capital opportunity 25.3.
ZIP market phases inside Lubbock, TX
26 Lubbock, TX ZIPs carry a price-cycle phase; Lubbock, TX ZIPs by phase (Lubbock, TX), deepest drawdown first: peak, +1.3% YoY (Lubbock, TX): 79250; peak, +1.4% YoY (Lubbock, TX): 79311; peak, +2.3% YoY (Lubbock, TX): 79313; neutral, +2.5% YoY (Lubbock, TX): 79329, 79343, 79350, 79363, Lubbock, TX 79364, 79366, 79382, 79401, Lubbock, TX 79402, 79403, 79404, 79406; recovery, +2.5% YoY (Lubbock, TX): 79358.
Residential listings by Lubbock, TX ZIP
Lubbock, TX ZIPs with the most tracked Lubbock, TX residential listings: 79424 14 listings, 2 candidates, bank pressure 57; 79423 11 listings, 2 candidates, bank pressure 56; 79412 10 listings, 5 candidates, bank pressure 57; 79403 9 listings, 1 candidates, bank pressure 57 (Lubbock, TX); 79382 5 listings, 2 candidates, bank pressure 56; 79413 5 listings, 5 candidates, bank pressure 57; 79416 5 listings, 1 candidates, bank pressure 57; 79411 4 listings, 3 candidates, bank pressure 57. Lubbock, TX totals: 75 listings; Lubbock, TX candidates 27; active ZIPs 14.
HUD assisted housing in Lubbock, TX
16 assisted properties with 2,082 units sit in Lubbock, TX; largest Lubbock, TX properties: Las Colinas/Parkridge Place (Lubbock) 260 units; Hillcrest Manor (Lubbock) 220 units; Dakota Arms Apts (Lubbock) 208 units in Lubbock, TX; Windsor Creek Apts (Lubbock) 208 units; The Edge Apartments (Lubbock) 205 units; Preserve At Prairie Pointe (Lubbock) 184 units.
Lenders with branches in Lubbock, TX
Lubbock, TX lenders by branch count: Prosperity Bank (Lubbock, TX): stress 33, 18 branches low in Lubbock, TX; Amarillo National Bank (Lubbock, TX): stress 53, 11 branches low in Lubbock, TX; Plainscapital Bank (Lubbock, TX): stress 66, 8 branches low in Lubbock, TX; City Bank (Lubbock, TX): stress 56, 8 branches low in Lubbock, TX; Cornerstone Capital Bank Ssb (Lubbock, TX): stress 85, 5 branches low in Lubbock, TX; American Bank Of Commerce (Lubbock, TX): stress 77, 5 branches low in Lubbock, TX; First National Bank Texas (Lubbock, TX): stress 77, 4 branches low in Lubbock, TX; First United Bank (Lubbock, TX): stress 48, 4 branches low in Lubbock, TX.
Vacancy and permits, Lubbock, TX
13,119 of 139,344 Lubbock, TX housing units are vacant; Lubbock, TX permits, twelve months: 414 multifamily units in Lubbock, TX, 2,105 one-to-four unit units.
Work Lubbock, TX at the parcel level
Every Lubbock, TX parcel carries owner and address; every Lubbock, TX parcel carries APN; Lubbock, TX distress scores sit on the Lubbock, TX live board.
Lubbock, TX figures refresh with each source.
Lubbock, TX questions
Most distressed ZIP code in Lubbock County, TX?
ZIP 79329 leads Lubbock, TX at 25/100; next in Lubbock, TX: 79350 at 25/100; the Lubbock, TX average is 23/100.
Where does Lubbock County, TX rank for investment opportunity?
Lubbock, TX is #2,051 among all ranked counties, #184 in Texas; the Lubbock, TX driver is vacancy; Lubbock, TX moved up 494 places.
How many mortgages are delinquent in Lubbock County, TX?
1.0% of Lubbock, TX mortgages were ninety-plus days late in December 2025; the Lubbock, TX peak since 2008 was 2.8%.
Which banks lend in Lubbock County, TX?
8 watched lenders hold Lubbock, TX branches; the largest Lubbock, TX footprints are Prosperity Bank (18), Amarillo National Bank (11), Plainscapital Bank (8).
More on Lubbock, TX
Lubbock County, TX distress report: public-record figures for Lubbock, TX; not legal advice for Lubbock, TX; not tax or investment advice; verify every Lubbock, TX record before acting.