Montgomery County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Montgomery County, TX distress report, 2026: 27 ZIPs scored in Montgomery, TX, Montgomery, TX average 37/100; the top Montgomery, TX ZIP is 77301 at 38/100; Montgomery, TX market phase recovery, Montgomery, TX prices +2.7% year over year.
- Montgomery, TX ranks #852 nationally (opportunity index); Montgomery, TX #97 in Texas; Montgomery, TX index 31.8.
- Montgomery, TX ninety-day mortgage delinquency 1.1% in December 2025; Montgomery, TX twelve-month change -0.1%.
- Montgomery, TX ZIP phases: 25 recovery, 2 peak.
- Montgomery, TX residential listings tracked: 485 across 22 ZIPs; Montgomery, TX candidate listings 189.
- Montgomery, TX HUD assisted properties: 25 with 3,300 units.
- Montgomery, TX lenders on watch: 8; largest Montgomery, TX footprint Woodforest National Bank (32 branches).
- Montgomery, TX most distressed ZIP: 77301 at 38/100.
Montgomery, TX figures: DLRadar distress index; Montgomery, TX inputs: CFPB, FHFA, HUD, FDIC; Montgomery, TX rebuilt as sources refresh.
| Rank | Montgomery, TX ZIP | Score |
|---|---|---|
| 1 | 77301 | 38/100 |
| 2 | 77302 | 38/100 |
| 3 | 77303 | 38/100 |
| 4 | 77304 | 38/100 |
| 5 | 77306 | 38/100 |
| 6 | 77316 | 38/100 |
| 7 | 77318 | 38/100 |
| 8 | 77354 | 38/100 |
| 9 | 77356 | 38/100 |
| 10 | 77362 | 38/100 |
| 11 | 77365 | 38/100 |
| 12 | 77372 | 38/100 |
Most distressed Montgomery, TX ZIPs (0-100, 2026)
Mortgage delinquency in Montgomery, TX
1.1% of Montgomery, TX mortgages were ninety-plus days late (Montgomery, TX, December 2025); Montgomery, TX thirty-to-eighty-nine days late: 2.7%; Montgomery, TX twelve-month change -0.1%; Montgomery, TX peak since 2008: 2.8% (November 2009); Texas overall 1.2%. Montgomery, TX ninety-day series: Dec 24 1.2, Jan 25 1.3, Feb 25 1.0 (Montgomery, TX), Mar 25 1.0, Apr 25 0.8, May 25 0.9 (Montgomery, TX), Jun 25 0.8, Jul 25 0.8, Aug 25 1.0 (Montgomery, TX), Sep 25 1.0, Oct 25 0.9, Nov 25 1.0 (Montgomery, TX), Dec 25 1.1.
Opportunity index: Montgomery, TX
Montgomery, TX index 31.8, Montgomery, TX phase watchlist; Montgomery, TX primary driver construction, Montgomery, TX second driver bank institutional. Montgomery, TX components: property stress 17.2, foreclosure pressure 15.4, listing discounts 43.1, bank stress 55.5, insurance 0.0; Montgomery, TX pulse 33.0; Montgomery, TX capital opportunity 30.1; Montgomery, TX seven-day change -0.1%.
ZIP market phases inside Montgomery, TX
27 Montgomery, TX ZIPs carry a price-cycle phase; Montgomery, TX ZIPs by phase (Montgomery, TX), deepest drawdown first: recovery, +2.7% YoY (Montgomery, TX): 77301, 77302, 77303, 77304, Montgomery, TX 77306, 77316, 77318, 77327, Montgomery, TX 77328, 77339, 77354, 77355, Montgomery, TX 77356, 77357, 77362; peak, +1.4% YoY (Montgomery, TX): 77358.
Residential listings by Montgomery, TX ZIP
Montgomery, TX ZIPs with the most tracked Montgomery, TX residential listings: 77357 57 listings, 15 candidates, bank pressure 58; 77302 46 listings, 21 candidates, bank pressure 61; 77354 41 listings, 18 candidates, bank pressure 61; 77365 35 listings, 11 candidates, bank pressure 58 (Montgomery, TX); 77303 34 listings, 9 candidates, bank pressure 61; 77304 32 listings, 15 candidates, bank pressure 61; 77372 28 listings, 13 candidates, bank pressure 61; 77356 27 listings, 17 candidates, bank pressure 59. Montgomery, TX totals: 485 listings; Montgomery, TX candidates 189; active ZIPs 21.
HUD assisted housing in Montgomery, TX
25 assisted properties with 3,300 units sit in Montgomery, TX; largest Montgomery, TX properties: Anatole At The Pines (Conroe) 304 units; Pineview At Grogan's Mill (Spring) 300 units, 300 assisted; Reserve At City Place, The - Fe 08/27/2021 (Conroe) 264 units in Montgomery, TX; Woodlofts Apartments (Shenandoah) 229 units; Lakes At Westview Ii Apartments (Conroe) 228 units; Park At Woodmoor (Conroe) 220 units.
Lenders with branches in Montgomery, TX
Montgomery, TX lenders by branch count: Woodforest National Bank (Montgomery, TX): stress 54, 32 branches low in Montgomery, TX; First National Bank Texas (Montgomery, TX): stress 77, 10 branches low in Montgomery, TX; First Financial Bank (Montgomery, TX): stress 49, 8 branches low in Montgomery, TX; Prosperity Bank (Montgomery, TX): stress 33, 5 branches low in Montgomery, TX; Frost Bank (Montgomery, TX): stress 69, 3 branches low in Montgomery, TX; Texas First Bank (Montgomery, TX): stress 58, 3 branches low in Montgomery, TX; Stellar Bank (Montgomery, TX): stress 71, 2 branches low in Montgomery, TX; Third Coast Bank (Montgomery, TX): stress 56, 2 branches low in Montgomery, TX.
Vacancy and permits, Montgomery, TX
18,478 of 266,019 Montgomery, TX housing units are vacant; Montgomery, TX permits, twelve months: 728 multifamily units in Montgomery, TX, 10,769 one-to-four unit units.
Work Montgomery, TX at the parcel level
Every Montgomery, TX parcel carries owner and address; every Montgomery, TX parcel carries APN; Montgomery, TX distress scores sit on the Montgomery, TX live board.
Montgomery, TX figures refresh with each source.
Montgomery, TX questions
Most distressed ZIP code in Montgomery County, TX?
ZIP 77301 leads Montgomery, TX at 38/100; next in Montgomery, TX: 77302 at 38/100; the Montgomery, TX average is 37/100.
Where does Montgomery County, TX rank for investment opportunity?
Montgomery, TX is #852 among all ranked counties, #97 in Texas; the Montgomery, TX driver is construction; Montgomery, TX moved up 718 places.
How many mortgages are delinquent in Montgomery County, TX?
1.1% of Montgomery, TX mortgages were ninety-plus days late in December 2025; the Montgomery, TX peak since 2008 was 2.8%.
Which banks lend in Montgomery County, TX?
8 watched lenders hold Montgomery, TX branches; the largest Montgomery, TX footprints are Woodforest National Bank (32), First National Bank Texas (10), First Financial Bank (8).
More on Montgomery, TX
Montgomery County, TX distress report: public-record figures for Montgomery, TX; not legal advice for Montgomery, TX; not tax or investment advice; verify every Montgomery, TX record before acting.