Mclennan County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Mclennan County, TX distress report, 2026: 29 ZIPs scored in Mclennan, TX, Mclennan, TX average 26/100; the top Mclennan, TX ZIP is 76561 at 30/100; Mclennan, TX market phase neutral, Mclennan, TX prices +1.2% year over year.
- Mclennan, TX ranks #2,615 nationally (opportunity index); Mclennan, TX #229 in Texas; Mclennan, TX index 25.3.
- Mclennan, TX ninety-day mortgage delinquency 1.0% in December 2025; Mclennan, TX twelve-month change +0.4%.
- Mclennan, TX ZIP phases: 24 neutral, 4 peak, 1 recovery.
- Mclennan, TX residential listings tracked: 18 across 20 ZIPs; Mclennan, TX candidate listings 4.
- Mclennan, TX HUD assisted properties: 4 with 199 units.
- Mclennan, TX lenders on watch: 8; largest Mclennan, TX footprint First Nb Of Mcgregor (6 branches).
- Mclennan, TX most distressed ZIP: 76561 at 30/100.
Mclennan, TX figures: DLRadar distress index; Mclennan, TX inputs: CFPB, FHFA, HUD, FDIC; Mclennan, TX rebuilt as sources refresh.
| Rank | Mclennan, TX ZIP | Score |
|---|---|---|
| 1 | 76561 | 30/100 |
| 2 | 76557 | 29/100 |
| 3 | 76621 | 28/100 |
| 4 | 76622 | 28/100 |
| 5 | 76624 | 26/100 |
| 6 | 76630 | 26/100 |
| 7 | 76633 | 26/100 |
| 8 | 76638 | 26/100 |
| 9 | 76640 | 26/100 |
| 10 | 76643 | 26/100 |
| 11 | 76654 | 26/100 |
| 12 | 76657 | 26/100 |
Most distressed Mclennan, TX ZIPs (0-100, 2026)
Mortgage delinquency in Mclennan, TX
1.0% of Mclennan, TX mortgages were ninety-plus days late (Mclennan, TX, December 2025); Mclennan, TX thirty-to-eighty-nine days late: 2.8%; Mclennan, TX twelve-month change +0.4%; Mclennan, TX peak since 2008: 3.1% (January 2010); Texas overall 1.2%. Mclennan, TX ninety-day series: Dec 24 0.6, Jan 25 0.9, Feb 25 0.9 (Mclennan, TX), Mar 25 0.9, Apr 25 0.8, May 25 0.9 (Mclennan, TX), Jun 25 0.9, Jul 25 1.1, Aug 25 1.0 (Mclennan, TX), Sep 25 1.0, Oct 25 0.9, Nov 25 1.0 (Mclennan, TX), Dec 25 1.0.
Opportunity index: Mclennan, TX
Mclennan, TX index 25.3, Mclennan, TX phase weak; Mclennan, TX primary driver bank institutional, Mclennan, TX second driver construction. Mclennan, TX components: property stress 14.6, foreclosure pressure 15.4, listing discounts 14.2, bank stress 58.2, insurance 0.0; Mclennan, TX pulse 30.9; Mclennan, TX capital opportunity 17.0; Mclennan, TX seven-day change +0.2%.
ZIP market phases inside Mclennan, TX
29 Mclennan, TX ZIPs carry a price-cycle phase; Mclennan, TX ZIPs by phase (Mclennan, TX), deepest drawdown first: neutral, +1.2% YoY, 2.8% off peak (Mclennan, TX): 76630, 76633, 76682, 76706, Mclennan, TX 76524, 76638, 76640, 76643, Mclennan, TX 76654, 76655, 76701, 76704, Mclennan, TX 76705, 76707, 76708, 76710.
Residential listings by Mclennan, TX ZIP
Mclennan, TX ZIPs with the most tracked Mclennan, TX residential listings: 76630 3 listings, 0 candidates, bank pressure 63; 76640 3 listings, 1 candidates, bank pressure 64; 76705 3 listings, 2 candidates, bank pressure 64; 76657 2 listings, 0 candidates, bank pressure 63 (Mclennan, TX); 76691 2 listings, 0 candidates, bank pressure 65; 76706 2 listings, 0 candidates, bank pressure 63; 76624 1 listings, 0 candidates, bank pressure 63; 76707 1 listings, 1 candidates, bank pressure 64. Mclennan, TX totals: 18 listings; Mclennan, TX candidates 4; active ZIPs 9.
HUD assisted housing in Mclennan, TX
4 assisted properties with 199 units sit in Mclennan, TX; largest Mclennan, TX properties: Catherine Booth Gardens (Waco) 76 units, 75 assisted; Brook Oaks Senior Residences (Waco) 56 units, 55 assisted; Behrens Lofts - Ua Only (Waco) 47 units in Mclennan, TX; The Praetorian Building (Waco) 20 units.
Lenders with branches in Mclennan, TX
Mclennan, TX lenders by branch count: First Nb Of Mcgregor (Mclennan, TX): stress 74, 6 branches low in Mclennan, TX; First National Bank Texas (Mclennan, TX): stress 77, 5 branches low in Mclennan, TX; Community B&T Waco Texas (Mclennan, TX): stress 58, 4 branches low in Mclennan, TX; Pointwest Bank (Mclennan, TX): stress 56, 4 branches low in Mclennan, TX; American Bank National Assn (Mclennan, TX): stress 56, 4 branches low in Mclennan, TX; First Nb Of Central Texas (Mclennan, TX): stress 37, 4 branches low in Mclennan, TX; Extraco Banks National Assn (Mclennan, TX): stress 80, 3 branches low in Mclennan, TX; Alliance Bank Central Texas (Mclennan, TX): stress 65, 3 branches low in Mclennan, TX.
Vacancy and permits, Mclennan, TX
11,116 of 108,454 Mclennan, TX housing units are vacant; Mclennan, TX permits, twelve months: 639 multifamily units in Mclennan, TX, 833 one-to-four unit units.
Work Mclennan, TX at the parcel level
Every Mclennan, TX parcel carries owner and address; every Mclennan, TX parcel carries APN; Mclennan, TX distress scores sit on the Mclennan, TX live board.
Mclennan, TX figures refresh with each source.
Mclennan, TX questions
Most distressed ZIP code in Mclennan County, TX?
ZIP 76561 leads Mclennan, TX at 30/100; next in Mclennan, TX: 76557 at 29/100; the Mclennan, TX average is 26/100.
Where does Mclennan County, TX rank for investment opportunity?
Mclennan, TX is #2,615 among all ranked counties, #229 in Texas; the Mclennan, TX driver is bank institutional; Mclennan, TX moved down 521 places.
How many mortgages are delinquent in Mclennan County, TX?
1.0% of Mclennan, TX mortgages were ninety-plus days late in December 2025; the Mclennan, TX peak since 2008 was 3.1%.
Which banks lend in Mclennan County, TX?
8 watched lenders hold Mclennan, TX branches; the largest Mclennan, TX footprints are First Nb Of Mcgregor (6), First National Bank Texas (5), Community B&T Waco Texas (4).
More on Mclennan, TX
Mclennan County, TX distress report: public-record figures for Mclennan, TX; not legal advice for Mclennan, TX; not tax or investment advice; verify every Mclennan, TX record before acting.