Stephens County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Stephens County, TX distress report, 2026: 8 ZIPs scored in Stephens, TX, Stephens, TX average 6/100; the top Stephens, TX ZIP is 76475 at 16/100; Stephens, TX market phase peak, Stephens, TX prices +2.0% year over year.
- Stephens, TX ranks #1,211 nationally (opportunity index); Stephens, TX #128 in Texas; Stephens, TX index 30.4.
- Stephens, TX: no CFPB county sample; Stephens, TX non-metro area reading 1.4%.
- Stephens, TX ZIP phases: 8 peak.
- Stephens, TX residential listings tracked: 1 across 2 ZIPs; Stephens, TX candidate listings 0.
- Stephens, TX lenders on watch: 2; largest Stephens, TX footprint Graham Savings&Loan Ssb (1 branch).
- Stephens, TX most distressed ZIP: 76475 at 16/100.
Stephens, TX figures: DLRadar distress index; Stephens, TX inputs: CFPB, FHFA, HUD, FDIC; Stephens, TX rebuilt as sources refresh.
| Rank | Stephens, TX ZIP | Score |
|---|---|---|
| 1 | 76475 | 16/100 |
| 2 | 76450 | 9/100 |
| 3 | 76437 | 8/100 |
| 4 | 76470 | 7/100 |
| 5 | 76429 | 4/100 |
| 6 | 76424 | 2/100 |
| 7 | 76464 | 1/100 |
| 8 | 76491 | 1/100 |
Most distressed Stephens, TX ZIPs (0-100, 2026)
Mortgage delinquency around Stephens, TX
No CFPB county sample covers Stephens, TX; the non-metro area reading for Stephens, TX: 1.4% ninety-plus; Stephens, TX area thirty-to-eighty-nine 3.5% (December 2025, Stephens, TX); Texas overall 1.2%.
Opportunity index: Stephens, TX
Stephens, TX index 30.4, Stephens, TX phase watchlist; Stephens, TX primary driver vacancy, Stephens, TX second driver bank institutional. Stephens, TX components: property stress 16.4, foreclosure pressure 17.5, listing discounts 41.5, bank stress 51.1, insurance 0.0; Stephens, TX pulse 30.9; Stephens, TX capital opportunity 29.7; Stephens, TX seven-day change +0.3%.
ZIP market phases inside Stephens, TX
8 Stephens, TX ZIPs carry a price-cycle phase; Stephens, TX ZIPs by phase (Stephens, TX), deepest drawdown first: peak, +2.0% YoY (Stephens, TX): 76424, 76470, 76491; peak, +1.9% YoY (Stephens, TX): 76429, 76450; peak, +3.1% YoY (Stephens, TX): 76437; peak, +3.0% YoY (Stephens, TX): 76464; peak, +1.2% YoY (Stephens, TX): 76475.
Residential listings by Stephens, TX ZIP
Stephens, TX ZIPs with the most tracked Stephens, TX residential listings: 76424 1 listings, 0 candidates, bank pressure 53; 76429 0 listings, 0 candidates, bank pressure 50. Stephens, TX totals: 1 listings; Stephens, TX candidates 0; active ZIPs 1.
Lenders with branches in Stephens, TX
Stephens, TX lenders by branch count: Graham Savings&Loan Ssb (Stephens, TX): stress 60, 1 branch low in Stephens, TX; Clear Fork Bank Na (Stephens, TX): stress 43, 1 branch low in Stephens, TX.
Vacancy and permits, Stephens, TX
1,053 of 4,676 Stephens, TX housing units are vacant; Stephens, TX permits, twelve months: 0 multifamily units in Stephens, TX, 2 one-to-four unit units.
Work Stephens, TX at the parcel level
Every Stephens, TX parcel carries owner and address; every Stephens, TX parcel carries APN; Stephens, TX distress scores sit on the Stephens, TX live board.
Stephens, TX figures refresh with each source.
Stephens, TX questions
Most distressed ZIP code in Stephens County, TX?
ZIP 76475 leads Stephens, TX at 16/100; next in Stephens, TX: 76450 at 9/100; the Stephens, TX average is 6/100.
Where does Stephens County, TX rank for investment opportunity?
Stephens, TX is #1,211 among all ranked counties, #128 in Texas; the Stephens, TX driver is vacancy; Stephens, TX moved up 884 places.
How many mortgages are delinquent in Stephens County, TX?
Stephens, TX takes the non-metro area reading of 1.4% for December 2025; no CFPB county sample covers Stephens, TX.
Which banks lend in Stephens County, TX?
2 watched lenders hold Stephens, TX branches; the largest Stephens, TX footprints are Graham Savings&Loan Ssb (1), Clear Fork Bank Na (1).
More on Stephens, TX
Stephens County, TX distress report: public-record figures for Stephens, TX; not legal advice for Stephens, TX; not tax or investment advice; verify every Stephens, TX record before acting.