Milam County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Milam County, TX distress report, 2026: 14 ZIPs scored in Milam, TX, Milam, TX average 24/100; the top Milam, TX ZIP is 76578 at 35/100; Milam, TX market phase peak, Milam, TX prices +2.0% year over year.
- Milam, TX ranks #2,176 nationally (opportunity index); Milam, TX #191 in Texas; Milam, TX index 27.1.
- Milam, TX: no CFPB county sample; Milam, TX non-metro area reading 1.4%.
- Milam, TX ZIP phases: 10 peak, 2 recovery, 2 contraction.
- Milam, TX residential listings tracked: 16 across 8 ZIPs; Milam, TX candidate listings 6.
- Milam, TX lenders on watch: 4; largest Milam, TX footprint Citizens National Bank (4 branches).
- Milam, TX most distressed ZIP: 76578 at 35/100.
Milam, TX figures: DLRadar distress index; Milam, TX inputs: CFPB, FHFA, HUD, FDIC; Milam, TX rebuilt as sources refresh.
| Rank | Milam, TX ZIP | Score |
|---|---|---|
| 1 | 76578 | 35/100 |
| 2 | 76511 | 33/100 |
| 3 | 76534 | 31/100 |
| 4 | 76569 | 29/100 |
| 5 | 76577 | 26/100 |
| 6 | 76519 | 25/100 |
| 7 | 76570 | 21/100 |
| 8 | 76518 | 20/100 |
| 9 | 76520 | 20/100 |
| 10 | 76523 | 20/100 |
| 11 | 76556 | 20/100 |
| 12 | 77857 | 20/100 |
Most distressed Milam, TX ZIPs (0-100, 2026)
Mortgage delinquency around Milam, TX
No CFPB county sample covers Milam, TX; the non-metro area reading for Milam, TX: 1.4% ninety-plus; Milam, TX area thirty-to-eighty-nine 3.5% (December 2025, Milam, TX); Texas overall 1.2%.
Opportunity index: Milam, TX
Milam, TX index 27.1, Milam, TX phase weak; Milam, TX primary driver vacancy, Milam, TX second driver bank institutional. Milam, TX components: property stress 20.2, foreclosure pressure 20.4, listing discounts 19.0, bank stress 44.1, insurance 0.0; Milam, TX pulse 30.0; Milam, TX capital opportunity 22.8; Milam, TX seven-day change -0.3%.
ZIP market phases inside Milam, TX
14 Milam, TX ZIPs carry a price-cycle phase; Milam, TX ZIPs by phase (Milam, TX), deepest drawdown first: contraction, -2.9% YoY, 3.0% off peak (Milam, TX): 77836; peak, +1.5% YoY, 1.9% off peak (Milam, TX): 76570; contraction, -0.4% YoY, 1.1% off peak (Milam, TX): 76578; recovery, +0.6% YoY, 1.0% off peak (Milam, TX): 76511; recovery, +1.1% YoY, 1.0% off peak (Milam, TX): 76534; peak, +1.3% YoY, 0.8% off peak (Milam, TX): 76569; peak, +1.6% YoY, 0.7% off peak (Milam, TX): 76519; peak, +1.5% YoY, 0.3% off peak (Milam, TX): 76567; peak, +1.8% YoY, 0.1% off peak (Milam, TX): 76577; peak, +2.0% YoY, 0.0% off peak (Milam, TX): 76556; peak, +2.0% YoY (Milam, TX): 76518, 76520, 76523, 77857.
Residential listings by Milam, TX ZIP
Milam, TX ZIPs with the most tracked Milam, TX residential listings: 76567 12 listings, 2 candidates, bank pressure 39; 76577 2 listings, 2 candidates, bank pressure 58; 76520 1 listings, 1 candidates, bank pressure 39; 76556 1 listings, 1 candidates, bank pressure 39 (Milam, TX); 76518 0 listings, 0 candidates, bank pressure 39; 76519 0 listings, 0 candidates, bank pressure 56; 76523 0 listings, 0 candidates, bank pressure 39; 77857 0 listings, 0 candidates, bank pressure 39. Milam, TX totals: 16 listings; Milam, TX candidates 6; active ZIPs 1.
Lenders with branches in Milam, TX
Milam, TX lenders by branch count: Citizens National Bank (Milam, TX): stress 50, 4 branches low in Milam, TX; Classic Bank National Assn (Milam, TX): stress 59, 3 branches low in Milam, TX; Buckholts State Bank (Milam, TX): stress 13, 2 branches low in Milam, TX; Prosperity Bank (Milam, TX): stress 33, 1 branch low in Milam, TX.
Vacancy and permits, Milam, TX
1,489 of 11,641 Milam, TX housing units are vacant; Milam, TX permits, twelve months: 0 multifamily units in Milam, TX, 61 one-to-four unit units.
Work Milam, TX at the parcel level
Every Milam, TX parcel carries owner and address; every Milam, TX parcel carries APN; Milam, TX distress scores sit on the Milam, TX live board.
Milam, TX figures refresh with each source.
Milam, TX questions
Most distressed ZIP code in Milam County, TX?
ZIP 76578 leads Milam, TX at 35/100; next in Milam, TX: 76511 at 33/100; the Milam, TX average is 24/100.
Where does Milam County, TX rank for investment opportunity?
Milam, TX is #2,176 among all ranked counties, #191 in Texas; the Milam, TX driver is vacancy; Milam, TX moved up 89 places.
How many mortgages are delinquent in Milam County, TX?
Milam, TX takes the non-metro area reading of 1.4% for December 2025; no CFPB county sample covers Milam, TX.
Which banks lend in Milam County, TX?
4 watched lenders hold Milam, TX branches; the largest Milam, TX footprints are Citizens National Bank (4), Classic Bank National Assn (3), Buckholts State Bank (2).
More on Milam, TX
Milam County, TX distress report: public-record figures for Milam, TX; not legal advice for Milam, TX; not tax or investment advice; verify every Milam, TX record before acting.