Sherman County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Sherman County, Texas? DLRadar grades every Sherman County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 19/100. Here is the 2026 Sherman County breakdown.
- Sherman County's most distressed ZIP is 79086 at 19/100.
- 5 ZIP codes tracked in Sherman County, averaging 12/100 distress.
- Sherman County reads peak — home values up 2.0% year over year.
- Vacancy runs 26.9% across Sherman County's tracked ZIPs, with a 5.8% poverty rate.
- The typical Sherman County home is worth about $146,000 against a ~$72,328 median income.
- Lending headwind in Sherman County sits at 0/100 — a forward read on distressed supply.
Numbers from the DLRadar public-record distress index, refreshed each month. Quote them freely with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 79086 | 19/100 |
| 2 | 73949 | 14/100 |
| 3 | 79040 | 10/100 |
| 4 | 73960 | 9/100 |
| 5 | 79084 | 9/100 |
Most distressed ZIP codes in Sherman County (composite distress 0-100, 2026)
What is driving Sherman County distress
The Sherman County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 12/100 ZIP average. No proprietary or modelled inputs enter the score.
Sherman County market phase and pricing
The cycle in Sherman County is peak, with values up 2.0% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Sherman County
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Frequently asked
Which Sherman County ZIP scores worst for distress?
ZIP 79086 leads Sherman County at 19/100, recomputed monthly from public records.
What market phase is Sherman County in?
FHFA price-index movement places Sherman County in peak; prices are up 2.0% over twelve months.
How is the Sherman County data sourced?
Sherman 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 5 ZIPs are comparable to anywhere else.
How much do distress scores vary between Sherman County ZIP codes?
A single county score papers over real variation. Across the Sherman County ZIPs DLRadar ranks, scores run from 19/100 in 79086 down to 9/100 in 79084, against a Sherman County average of 12/100. The 10-point range is the argument for ZIP-level search across Sherman County.
What do Sherman County home values and vacancy say about distressed supply?
The typical Sherman County home carries about $146,000 of value against a median household income near $72,328. Vacancy across Sherman County's tracked ZIPs runs 26.9% and the poverty rate is 5.8%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Sherman County's foreclosure and lien filings and its 0/100 lending headwind.
Related
Scores are computed, not advised: public records, fixed formulas, monthly refresh. Not investment, legal or financial advice.