Montgomery County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Montgomery County, Texas? DLRadar grades every Montgomery County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 38/100. Here is the 2026 Montgomery County breakdown.
- Montgomery County's most distressed ZIP is 77301 at 38/100.
- 27 ZIP codes tracked in Montgomery County, averaging 37/100 distress.
- Montgomery County reads recovery — home values up 2.7% year over year.
- Vacancy runs 8.8% across Montgomery County's tracked ZIPs, with a 10.8% poverty rate.
- The typical Montgomery County home is worth about $315,363 against a ~$99,158 median income.
- Lending headwind in Montgomery County sits at 49/100 — a forward read on distressed supply.
Figures come from DLRadar's public-record distress index and refresh every month. Free to quote with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 77301 | 38/100 |
| 2 | 77302 | 38/100 |
| 3 | 77303 | 38/100 |
| 4 | 77304 | 38/100 |
| 5 | 77306 | 38/100 |
| 6 | 77318 | 38/100 |
| 7 | 77354 | 38/100 |
| 8 | 77356 | 38/100 |
| 9 | 77362 | 38/100 |
| 10 | 77365 | 38/100 |
| 11 | 77372 | 38/100 |
| 12 | 77380 | 38/100 |
Most distressed ZIP codes in Montgomery County (composite distress 0-100, 2026)
What is driving Montgomery County distress
Montgomery County's placement in the national index rests on public filings — a 37/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Montgomery County market phase and pricing
Montgomery County currently sits in recovery after a 2.7% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
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Questions and answers
Which ZIP code leads Montgomery County on distress?
ZIP 77301 leads Montgomery County at 38/100, recomputed monthly from public records.
Which phase does Montgomery County sit in right now?
Montgomery County currently sits in recovery, with values up 2.7% year on year, based on FHFA price-index trajectory.
Which datasets feed the Montgomery County scores?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 27 Montgomery County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Montgomery County ZIP codes?
Averaging the county conceals how uneven it is. Across the Montgomery County ZIPs DLRadar ranks, scores run from 38/100 in 77301 down to 38/100 in 77380, against a Montgomery County average of 37/100. With 0 points between best and worst, county-level targeting in Montgomery County wastes effort.
What do Montgomery County home values and vacancy say about distressed supply?
The typical Montgomery County home carries about $315,363 of value against a median household income near $99,158. Vacancy across Montgomery County's tracked ZIPs runs 8.8% and the poverty rate is 10.8%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Montgomery County's foreclosure and tax-lien filings and its 49/100 lending headwind.
Related
Formula-driven readings of public documents. Not investment, legal or financial advice of any kind; figures refresh from the live index each month.