Madison County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Madison County, TX distress report, 2026: 5 ZIPs scored in Madison, TX, Madison, TX average 24/100; the top Madison, TX ZIP is 77831 at 31/100; Madison, TX market phase peak, Madison, TX prices +2.0% year over year.
- Madison, TX ranks #1,875 nationally (opportunity index); Madison, TX #169 in Texas; Madison, TX index 28.1.
- Madison, TX: no CFPB county sample; Madison, TX non-metro area reading 1.4%.
- Madison, TX ZIP phases: 5 peak.
- Madison, TX residential listings tracked: 1 across 3 ZIPs; Madison, TX candidate listings 0.
- Madison, TX lenders on watch: 3; largest Madison, TX footprint Normangee State Bank (1 branch).
- Madison, TX most distressed ZIP: 77831 at 31/100.
Madison, TX figures: DLRadar distress index; Madison, TX inputs: CFPB, FHFA, HUD, FDIC; Madison, TX rebuilt as sources refresh.
| Rank | Madison, TX ZIP | Score |
|---|---|---|
| 1 | 77831 | 31/100 |
| 2 | 75852 | 26/100 |
| 3 | 77872 | 26/100 |
| 4 | 77871 | 21/100 |
| 5 | 77864 | 18/100 |
Most distressed Madison, TX ZIPs (0-100, 2026)
Mortgage delinquency around Madison, TX
No CFPB county sample covers Madison, TX; the non-metro area reading for Madison, TX: 1.4% ninety-plus; Madison, TX area thirty-to-eighty-nine 3.5% (December 2025, Madison, TX); Texas overall 1.2%.
Opportunity index: Madison, TX
Madison, TX index 28.1, Madison, TX phase early_signal; Madison, TX primary driver vacancy, Madison, TX second driver bank institutional. Madison, TX components: property stress 26.4, foreclosure pressure 27.0, listing discounts 12.9, bank stress 42.4, insurance 0.0; Madison, TX pulse 32.8; Madison, TX capital opportunity 22.0; Madison, TX seven-day change -0.1%.
ZIP market phases inside Madison, TX
5 Madison, TX ZIPs carry a price-cycle phase; Madison, TX ZIPs by phase (Madison, TX), deepest drawdown first: peak, +1.8% YoY (Madison, TX): 75852, 77831; peak, +2.0% YoY (Madison, TX): 77864, 77871, 77872.
Residential listings by Madison, TX ZIP
Madison, TX ZIPs with the most tracked Madison, TX residential listings: 77872 1 listings, 0 candidates, bank pressure 45; 75852 0 listings, 0 candidates, bank pressure 55; 77864 0 listings, 0 candidates, bank pressure 48. Madison, TX totals: 1 listings; Madison, TX candidates 0; active ZIPs 1.
Lenders with branches in Madison, TX
Madison, TX lenders by branch count: Normangee State Bank (Madison, TX): stress 70, 1 branch low in Madison, TX; First Nb Of Huntsville (Madison, TX): stress 43, 1 branch low in Madison, TX; Prosperity Bank (Madison, TX): stress 33, 1 branch low in Madison, TX.
Vacancy and permits, Madison, TX
882 of 5,107 Madison, TX housing units are vacant; Madison, TX permits, twelve months: 0 multifamily units in Madison, TX, 1 one-to-four unit units.
Work Madison, TX at the parcel level
Every Madison, TX parcel carries owner and address; every Madison, TX parcel carries APN; Madison, TX distress scores sit on the Madison, TX live board.
Madison, TX figures refresh with each source.
Madison, TX questions
Most distressed ZIP code in Madison County, TX?
ZIP 77831 leads Madison, TX at 31/100; next in Madison, TX: 75852 at 26/100; the Madison, TX average is 24/100.
Where does Madison County, TX rank for investment opportunity?
Madison, TX is #1,875 among all ranked counties, #169 in Texas; the Madison, TX driver is vacancy; Madison, TX moved down 223 places.
How many mortgages are delinquent in Madison County, TX?
Madison, TX takes the non-metro area reading of 1.4% for December 2025; no CFPB county sample covers Madison, TX.
Which banks lend in Madison County, TX?
3 watched lenders hold Madison, TX branches; the largest Madison, TX footprints are Normangee State Bank (1), First Nb Of Huntsville (1), Prosperity Bank (1).
More on Madison, TX
Madison County, TX distress report: public-record figures for Madison, TX; not legal advice for Madison, TX; not tax or investment advice; verify every Madison, TX record before acting.