Madison County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Madison County, Texas? DLRadar grades every Madison County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 30/100. Here is the 2026 Madison County breakdown.
- Madison County's most distressed ZIP is 77831 at 30/100.
- 5 ZIP codes tracked in Madison County, averaging 24/100 distress.
- Madison County reads peak — home values up 2.0% year over year.
- Vacancy runs 22.2% across Madison County's tracked ZIPs, with a 12.7% poverty rate.
- The typical Madison County home is worth about $200,500 against a ~$67,396 median income.
- Lending headwind in Madison County sits at 3/100 — a forward read on distressed supply.
Numbers from the DLRadar public-record distress index, refreshed each month. Quote them freely with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 77831 | 30/100 |
| 2 | 75852 | 26/100 |
| 3 | 77872 | 26/100 |
| 4 | 77871 | 21/100 |
| 5 | 77864 | 19/100 |
Most distressed ZIP codes in Madison County (composite distress 0-100, 2026)
What is driving Madison County distress
Nothing here is estimated: Madison County is scored from filings alone, and its ZIPs average 24/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Madison County market phase and pricing
Madison County reads peak — home prices rose 2.0% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Madison County
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Questions about this county
Which part of Madison County, TX scores highest for distress?
ZIP 77831 leads Madison County at 30/100, recomputed monthly from public records.
How would you describe the Madison County market phase?
Madison County reads peak, with home prices up 2.0% year over year. Phase comes from FHFA House Price Index trajectory.
What is this Madison County analysis built from?
Every Madison County figure traces to a public source — FHFA House Price Index for the peak trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 5 Madison County ZIP codes that it runs on every other U.S. county, so Madison County's numbers are directly comparable to any other market.
How much do distress scores vary between Madison County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Madison County ZIPs DLRadar ranks, scores run from 30/100 in 77831 down to 19/100 in 77864, against a Madison County average of 24/100. With 11 points between best and worst, county-level targeting in Madison County wastes effort.
What do Madison County home values and vacancy say about distressed supply?
The typical Madison County home carries about $200,500 of value against a median household income near $67,396. Vacancy across Madison County's tracked ZIPs runs 22.2% and the poverty rate is 12.7%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Madison County's foreclosure and tax-lien record and its 3/100 lending headwind.
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Every score is formula-driven and sourced from public records. Treat it as research, not investment, legal or financial advice. Monthly refresh.