Terry County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Terry County, Texas? DLRadar grades every Terry County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 19/100. Here is the 2026 Terry County breakdown.
- Terry County's most distressed ZIP is 79358 at 19/100.
- 6 ZIP codes tracked in Terry County, averaging 16/100 distress.
- Terry County reads peak — home values up 2.0% year over year.
- Vacancy runs 26.6% across Terry County's tracked ZIPs, with a 7.7% poverty rate.
- The typical Terry County home is worth about $126,375 against a ~$52,466 median income.
- Lending headwind in Terry County sits at 0/100 — 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 | 79358 | 19/100 |
| 2 | 79316 | 17/100 |
| 3 | 79345 | 17/100 |
| 4 | 79378 | 17/100 |
| 5 | 79359 | 12/100 |
| 6 | 79376 | 11/100 |
Most distressed ZIP codes in Terry County (composite distress 0-100, 2026)
What is driving Terry County distress
Nothing here is estimated: Terry County is scored from filings alone, and its ZIPs average 16/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Terry County market phase and pricing
Terry County reads peak — home prices rose 2.0% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Terry County
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What people ask
Where is distress highest inside Terry County, TX?
ZIP 79358 leads Terry County at 19/100, recomputed monthly from public records.
Is Terry County expanding or contracting?
The market phase for Terry County is peak, prices rising 2.0% on the year — derived from the FHFA House Price Index path.
How is the Terry County data sourced?
Terry 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 6 ZIPs are comparable to anywhere else.
How much do distress scores vary between Terry County ZIP codes?
A single county score papers over real variation. Across the Terry County ZIPs DLRadar ranks, scores run from 19/100 in 79358 down to 11/100 in 79376, against a Terry County average of 16/100. With 8 points between best and worst, county-level targeting in Terry County wastes effort.
What do Terry County home values and vacancy say about distressed supply?
The typical Terry County home carries about $126,375 of value against a median household income near $52,466. Vacancy across Terry County's tracked ZIPs runs 26.6% and the poverty rate is 7.7%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Terry County's foreclosure and tax-lien record and its 0/100 lending headwind.
Related
This is a deterministic read of public filings, not advice of any kind — investment, legal or financial. The underlying index updates each month.