Polk County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Polk County, TX distress report, 2026: 9 ZIPs scored in Polk, TX, Polk, TX average 32/100; the top Polk, TX ZIP is 75934 at 32/100; Polk, TX market phase peak, Polk, TX prices +2.0% year over year.
- Polk, TX ranks #156 nationally (opportunity index); Polk, TX #21 in Texas; Polk, TX index 36.3.
- Polk, TX: no CFPB county sample; Polk, TX non-metro area reading 1.4%.
- Polk, TX ZIP phases: 9 peak.
- Polk, TX residential listings tracked: 38 across 8 ZIPs; Polk, TX candidate listings 17.
- Polk, TX lenders on watch: 5; largest Polk, TX footprint First Stb Of Livingston (4 branches).
- Polk, TX most distressed ZIP: 75934 at 32/100.
Polk, TX figures: DLRadar distress index; Polk, TX inputs: CFPB, FHFA, HUD, FDIC; Polk, TX rebuilt as sources refresh.
| Rank | Polk, TX ZIP | Score |
|---|---|---|
| 1 | 75934 | 32/100 |
| 2 | 75939 | 32/100 |
| 3 | 75960 | 32/100 |
| 4 | 77326 | 32/100 |
| 5 | 77335 | 32/100 |
| 6 | 77350 | 32/100 |
| 7 | 77351 | 32/100 |
| 8 | 77360 | 32/100 |
| 9 | 75936 | 29/100 |
Most distressed Polk, TX ZIPs (0-100, 2026)
Mortgage delinquency around Polk, TX
No CFPB county sample covers Polk, TX; the non-metro area reading for Polk, TX: 1.4% ninety-plus; Polk, TX area thirty-to-eighty-nine 3.5% (December 2025, Polk, TX); Texas overall 1.2%.
Opportunity index: Polk, TX
Polk, TX index 36.3, Polk, TX phase strong_buy; Polk, TX primary driver vacancy, Polk, TX second driver construction. Polk, TX components: property stress 27.8, foreclosure pressure 28.3, listing discounts 39.9, bank stress 50.5, insurance 0.0; Polk, TX pulse 39.6; Polk, TX capital opportunity 31.4; Polk, TX seven-day change -0.2%.
ZIP market phases inside Polk, TX
9 Polk, TX ZIPs carry a price-cycle phase; Polk, TX ZIPs by phase (Polk, TX), deepest drawdown first: peak, +2.0% YoY (Polk, TX): 75934, 75936, 75939, 75960, Polk, TX 77326, 77335, 77350, 77351, Polk, TX 77360.
Residential listings by Polk, TX ZIP
Polk, TX ZIPs with the most tracked Polk, TX residential listings: 77351 27 listings, 14 candidates, bank pressure 53; 77360 9 listings, 2 candidates, bank pressure 53; 75939 1 listings, 1 candidates, bank pressure 53; 77335 1 listings, 0 candidates, bank pressure 53 (Polk, TX); 75934 0 listings, 0 candidates, bank pressure 53; 75960 0 listings, 0 candidates, bank pressure 53; 77326 0 listings, 0 candidates, bank pressure 53; 77350 0 listings, 0 candidates, bank pressure 53. Polk, TX totals: 38 listings; Polk, TX candidates 17; active ZIPs 1.
Lenders with branches in Polk, TX
Polk, TX lenders by branch count: First Stb Of Livingston (Polk, TX): stress 58, 4 branches low in Polk, TX; First Nb Of Livingston (Polk, TX): stress 28, 3 branches low in Polk, TX; Peoples State Bank (Polk, TX): stress 68, 1 branch low in Polk, TX; Woodforest National Bank (Polk, TX): stress 54, 1 branch low in Polk, TX; Citizens State Bank (Polk, TX): stress 49, 1 branch low in Polk, TX.
Vacancy and permits, Polk, TX
6,952 of 26,469 Polk, TX housing units are vacant; Polk, TX permits, twelve months: 0 multifamily units in Polk, TX, 688 one-to-four unit units.
Work Polk, TX at the parcel level
Every Polk, TX parcel carries owner and address; every Polk, TX parcel carries APN; Polk, TX distress scores sit on the Polk, TX live board.
Polk, TX figures refresh with each source.
Polk, TX questions
Most distressed ZIP code in Polk County, TX?
ZIP 75934 leads Polk, TX at 32/100; next in Polk, TX: 75939 at 32/100; the Polk, TX average is 32/100.
Where does Polk County, TX rank for investment opportunity?
Polk, TX is #156 among all ranked counties, #21 in Texas; the Polk, TX driver is vacancy; Polk, TX moved up 155 places.
How many mortgages are delinquent in Polk County, TX?
Polk, TX takes the non-metro area reading of 1.4% for December 2025; no CFPB county sample covers Polk, TX.
Which banks lend in Polk County, TX?
5 watched lenders hold Polk, TX branches; the largest Polk, TX footprints are First Stb Of Livingston (4), First Nb Of Livingston (3), Peoples State Bank (1).
More on Polk, TX
Polk County, TX distress report: public-record figures for Polk, TX; not legal advice for Polk, TX; not tax or investment advice; verify every Polk, TX record before acting.