Rains County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Rains County, TX distress report, 2026: 6 ZIPs scored in Rains, TX, Rains, TX average 21/100; the top Rains, TX ZIP is 75420 at 25/100; Rains, TX market phase peak, Rains, TX prices +2.0% year over year.
- Rains, TX ranks #833 nationally (opportunity index); Rains, TX #100 in Texas; Rains, TX index 31.8.
- Rains, TX: no CFPB county sample; Rains, TX non-metro area reading 1.4%.
- Rains, TX ZIP phases: 6 peak.
- Rains, TX residential listings tracked: 3 across 2 ZIPs; Rains, TX candidate listings 3.
- Rains, TX lenders on watch: 4; largest Rains, TX footprint First Nb Of East Texas (2 branches).
- Rains, TX most distressed ZIP: 75420 at 25/100.
Rains, TX figures: DLRadar distress index; Rains, TX inputs: CFPB, FHFA, HUD, FDIC; Rains, TX rebuilt as sources refresh.
| Rank | Rains, TX ZIP | Score |
|---|---|---|
| 1 | 75420 | 25/100 |
| 2 | 75453 | 23/100 |
| 3 | 75497 | 21/100 |
| 4 | 75410 | 19/100 |
| 5 | 75440 | 18/100 |
| 6 | 75472 | 18/100 |
Most distressed Rains, TX ZIPs (0-100, 2026)
Mortgage delinquency around Rains, TX
No CFPB county sample covers Rains, TX; the non-metro area reading for Rains, TX: 1.4% ninety-plus; Rains, TX area thirty-to-eighty-nine 3.5% (December 2025, Rains, TX); Texas overall 1.2%.
Opportunity index: Rains, TX
Rains, TX index 31.8, Rains, TX phase early_signal; Rains, TX primary driver vacancy, Rains, TX second driver construction. Rains, TX components: property stress 19.4, foreclosure pressure 20.5, listing discounts 20.7, bank stress 47.0, insurance 0.0; Rains, TX pulse 37.8; Rains, TX capital opportunity 22.8; Rains, TX seven-day change -0.4%.
ZIP market phases inside Rains, TX
6 Rains, TX ZIPs carry a price-cycle phase; Rains, TX ZIPs by phase (Rains, TX), deepest drawdown first: peak, +2.0% YoY (Rains, TX): 75410, 75440, 75472; peak, +1.0% YoY (Rains, TX): 75420; peak, +1.1% YoY (Rains, TX): 75453; peak, +1.8% YoY (Rains, TX): 75497.
Residential listings by Rains, TX ZIP
Rains, TX ZIPs with the most tracked Rains, TX residential listings: 75472 3 listings, 3 candidates, bank pressure 59; 75440 0 listings, 0 candidates, bank pressure 56. Rains, TX totals: 3 listings; Rains, TX candidates 3; active ZIPs 0.
Lenders with branches in Rains, TX
Rains, TX lenders by branch count: First Nb Of East Texas (Rains, TX): stress 64, 2 branches low in Rains, TX; Commercial Bank Of Texas Na (Rains, TX): stress 58, 2 branches low in Rains, TX; City Nb Of Sulphur Springs (Rains, TX): stress 46, 1 branch low in Rains, TX; Austin Bank Texas Na (Rains, TX): stress 31, 1 branch low in Rains, TX.
Vacancy and permits, Rains, TX
1,069 of 5,925 Rains, TX housing units are vacant; Rains, TX permits, twelve months: 0 multifamily units in Rains, TX, 9 one-to-four unit units.
Work Rains, TX at the parcel level
Every Rains, TX parcel carries owner and address; every Rains, TX parcel carries APN; Rains, TX distress scores sit on the Rains, TX live board.
Rains, TX figures refresh with each source.
Rains, TX questions
Most distressed ZIP code in Rains County, TX?
ZIP 75420 leads Rains, TX at 25/100; next in Rains, TX: 75453 at 23/100; the Rains, TX average is 21/100.
Where does Rains County, TX rank for investment opportunity?
Rains, TX is #833 among all ranked counties, #100 in Texas; the Rains, TX driver is vacancy; Rains, TX moved down 273 places.
How many mortgages are delinquent in Rains County, TX?
Rains, TX takes the non-metro area reading of 1.4% for December 2025; no CFPB county sample covers Rains, TX.
Which banks lend in Rains County, TX?
4 watched lenders hold Rains, TX branches; the largest Rains, TX footprints are First Nb Of East Texas (2), Commercial Bank Of Texas Na (2), City Nb Of Sulphur Springs (1).
More on Rains, TX
Rains County, TX distress report: public-record figures for Rains, TX; not legal advice for Rains, TX; not tax or investment advice; verify every Rains, TX record before acting.