Mills County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Mills County, Texas? DLRadar grades every Mills County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 28/100. Here is the 2026 Mills County breakdown.
- Mills County's most distressed ZIP is 76801 at 28/100.
- 9 ZIP codes tracked in Mills County, averaging 13/100 distress.
- Mills County reads peak — home values up 2.0% year over year.
- Vacancy runs 27.2% across Mills County's tracked ZIPs, with a 11.9% poverty rate.
- The typical Mills County home is worth about $174,000 against a ~$55,061 median income.
- Lending headwind in Mills County sits at 63/100 — a forward read on distressed supply.
Source data is DLRadar's monthly public-record index. Citation welcome, with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 76801 | 28/100 |
| 2 | 76890 | 25/100 |
| 3 | 76853 | 24/100 |
| 4 | 76531 | 9/100 |
| 5 | 76442 | 8/100 |
| 6 | 76844 | 8/100 |
| 7 | 76864 | 6/100 |
| 8 | 76870 | 6/100 |
| 9 | 76880 | 6/100 |
Most distressed ZIP codes in Mills County (composite distress 0-100, 2026)
What is driving Mills County distress
Nothing here is estimated: Mills County is scored from filings alone, and its ZIPs average 13/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Mills County market phase and pricing
Mills 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 Mills County
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Questions and answers
What is the most distressed ZIP code in Mills County, TX?
ZIP 76801 leads Mills County at 28/100, recomputed monthly from public records.
Where is Mills County in the housing cycle?
Mills County currently sits in peak, with values up 2.0% year on year, based on FHFA price-index trajectory.
What is this Mills County analysis built from?
Every Mills 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 9 Mills County ZIP codes that it runs on every other U.S. county, so Mills County's numbers are directly comparable to any other market.
How much do distress scores vary between Mills County ZIP codes?
A county average hides the spread. Across the Mills County ZIPs DLRadar ranks, scores run from 28/100 in 76801 down to 6/100 in 76880, against a Mills County average of 13/100. With 22 points between best and worst, county-level targeting in Mills County wastes effort.
What do Mills County home values and vacancy say about distressed supply?
The typical Mills County home carries about $174,000 of value against a median household income near $55,061. Vacancy across Mills County's tracked ZIPs runs 27.2% and the poverty rate is 11.9%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Mills County's foreclosure and tax-lien filings and its 63/100 lending headwind.
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Produced by fixed formulas over public records — research, not investment, legal or financial advice. The underlying index updates monthly.