Oldham County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Oldham County, Texas? DLRadar grades every Oldham County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 20/100. Here is the 2026 Oldham County breakdown.
- Oldham County's most distressed ZIP is 79010 at 20/100.
- 6 ZIP codes tracked in Oldham County, averaging 10/100 distress.
- Oldham County reads peak — home values up 2.7% year over year, 0.7% off peak.
- Vacancy runs 24.8% across Oldham County's tracked ZIPs, with a 18.1% poverty rate.
- The typical Oldham County home is worth about $132,100 against a ~$89,500 median income.
- Lending headwind in Oldham County sits at 0/100 — a forward read on distressed supply.
All figures come from the monthly DLRadar distress index built on public records. Attribution to DLRadar (dlradar.com) appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 79010 | 20/100 |
| 2 | 79018 | 17/100 |
| 3 | 79098 | 10/100 |
| 4 | 79001 | 5/100 |
| 5 | 79092 | 3/100 |
| 6 | 88430 | 3/100 |
Most distressed ZIP codes in Oldham County (composite distress 0-100, 2026)
What is driving Oldham County distress
The Oldham County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 10/100 ZIP average. No proprietary or modelled inputs enter the score.
Oldham County market phase and pricing
The cycle in Oldham County is peak, with values up 2.7% year over year and 0.7% below peak. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Oldham County
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Questions about this county
Which Oldham County ZIP scores worst for distress?
ZIP 79010 leads Oldham County at 20/100, recomputed monthly from public records.
How would you describe the Oldham County market phase?
Phase for Oldham County: peak, tracking a 2.7% gain year over year, read off the FHFA index.
What are the sources behind these Oldham County numbers?
Oldham County draws on FHFA (peak trajectory), CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS — every one a public source. The scoring model does not change between counties, so these 6 ZIPs are comparable to anywhere else.
How much do distress scores vary between Oldham County ZIP codes?
A single county score papers over real variation. Across the Oldham County ZIPs DLRadar ranks, scores run from 20/100 in 79010 down to 3/100 in 88430, against a Oldham County average of 10/100. Because the gap runs to 17 points, Oldham County rewards ZIP-level precision.
What do Oldham County home values and vacancy say about distressed supply?
The typical Oldham County home carries about $132,100 of value against a median household income near $89,500. Vacancy across Oldham County's tracked ZIPs runs 24.8% and the poverty rate is 18.1%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Oldham County's filings and its 0/100 lending headwind.
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Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.