Stephens County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Stephens County, Texas? DLRadar grades every Stephens County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 15/100. Here is the 2026 Stephens County breakdown.
- Stephens County's most distressed ZIP is 76475 at 15/100.
- 8 ZIP codes tracked in Stephens County, averaging 6/100 distress.
- Stephens County reads peak — home values up 2.0% year over year.
- Vacancy runs 26.8% across Stephens County's tracked ZIPs, with a 16.7% poverty rate.
- The typical Stephens County home is worth about $159,063 against a ~$58,858 median income.
- Lending headwind in Stephens County sits at 19/100 — a forward read on distressed supply.
Figures come from DLRadar's public-record distress index and refresh every month. Free to quote with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 76475 | 15/100 |
| 2 | 76450 | 10/100 |
| 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 ZIP codes in Stephens County (composite distress 0-100, 2026)
What is driving Stephens County distress
The Stephens County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 6/100 ZIP average. No proprietary or modelled inputs enter the score.
Stephens County market phase and pricing
DLRadar places Stephens County in peak; prices moved up 2.0% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Stephens County
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Frequently asked
Where is distress highest inside Stephens County, TX?
ZIP 76475 leads Stephens County at 15/100, recomputed monthly from public records.
Which phase does Stephens County sit in right now?
Stephens County reads peak, with home prices up 2.0% year over year. Phase comes from FHFA House Price Index trajectory.
Which datasets feed the Stephens County scores?
The inputs are all public: FHFA for the peak path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 8 ZIP codes in Stephens County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Stephens County ZIP codes?
A single county score papers over real variation. Across the Stephens County ZIPs DLRadar ranks, scores run from 15/100 in 76475 down to 1/100 in 76491, against a Stephens County average of 6/100. Those 14 points separate the ZIPs worth working in Stephens County from the rest.
What do Stephens County home values and vacancy say about distressed supply?
The typical Stephens County home carries about $159,063 of value against a median household income near $58,858. Vacancy across Stephens County's tracked ZIPs runs 26.8% and the poverty rate is 16.7%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Stephens County's foreclosure and tax-lien filings and its 19/100 lending headwind.
Related
Formula-driven readings of public documents. Not investment, legal or financial advice of any kind; figures refresh from the live index each month.