Sterling County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Sterling County, Texas? DLRadar grades every Sterling County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 12/100. Here is the 2026 Sterling County breakdown.
- Sterling County's most distressed ZIP is 76945 at 12/100.
- 2 ZIP codes tracked in Sterling County, averaging 9/100 distress.
- Sterling County reads peak — home values up 2.0% year over year.
- Vacancy runs 24.5% across Sterling County's tracked ZIPs, with a 9.2% poverty rate.
- The typical Sterling County home is worth about $107,000 against a ~$57,697 median income.
- Lending headwind in Sterling County sits at 56/100 — a forward read on distressed supply.
Data: DLRadar public-record property-distress index, refreshed monthly. Free to cite with attribution to DLRadar (dlradar.com) — a link back is appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 76945 | 12/100 |
| 2 | 76951 | 6/100 |
Most distressed ZIP codes in Sterling County (composite distress 0-100, 2026)
What is driving Sterling County distress
Nothing here is estimated: Sterling County is scored from filings alone, and its ZIPs average 9/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Sterling County market phase and pricing
DLRadar places Sterling County in peak; prices moved up 2.0% over the year. Longer marketing times follow, and with them the sellers worth calling.
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Questions and answers
What is the hardest-hit ZIP in Sterling County?
ZIP 76945 leads Sterling County at 12/100, recomputed monthly from public records.
How would you describe the Sterling County market phase?
Sterling County currently sits in peak, with values up 2.0% year on year, based on FHFA price-index trajectory.
How is the Sterling County data sourced?
Sterling 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 2 ZIPs are comparable to anywhere else.
How much do distress scores vary between Sterling County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Sterling County ZIPs DLRadar ranks, scores run from 12/100 in 76945 down to 6/100 in 76951, against a Sterling County average of 9/100. Those 6 points separate the ZIPs worth working in Sterling County from the rest.
What do Sterling County home values and vacancy say about distressed supply?
The typical Sterling County home carries about $107,000 of value against a median household income near $57,697. Vacancy across Sterling County's tracked ZIPs runs 24.5% and the poverty rate is 9.2%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Sterling County's foreclosure and tax-lien filings and its 56/100 lending headwind.
Related
Scores are computed, not advised: public records, fixed formulas, monthly refresh. Not investment, legal or financial advice.