Thomas County, NE Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Thomas County, Nebraska? DLRadar grades every Thomas County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 8/100. Here is the 2026 Thomas County breakdown.
- Thomas County's most distressed ZIP is 69161 at 8/100.
- 4 ZIP codes tracked in Thomas County, averaging 6/100 distress.
- Thomas County reads peak — home values up 3.3% year over year.
- Vacancy runs 19.4% across Thomas County's tracked ZIPs, with a 7.3% poverty rate.
- The typical Thomas County home is worth about $251,500 against a ~$71,346 median income.
- Lending headwind in Thomas County sits at 87/100 — a forward read on distressed supply.
Source data is DLRadar's monthly public-record index. Citation welcome, with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 69161 | 8/100 |
| 2 | 69166 | 8/100 |
| 3 | 69142 | 4/100 |
| 4 | 69163 | 3/100 |
Most distressed ZIP codes in Thomas County (composite distress 0-100, 2026)
What is driving Thomas County distress
Thomas County's placement in the national index rests on public filings — a 6/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Thomas County market phase and pricing
The cycle in Thomas County is peak, with values up 3.3% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Thomas County
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Frequently asked questions
Where is distress highest inside Thomas County, NE?
ZIP 69161 leads Thomas County at 8/100, recomputed monthly from public records.
Is Thomas County expanding or contracting?
Thomas County currently sits in peak, with values up 3.3% year on year, based on FHFA price-index trajectory.
Which datasets feed the Thomas County scores?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 4 Thomas County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Thomas County ZIP codes?
A county average hides the spread. Across the Thomas County ZIPs DLRadar ranks, scores run from 8/100 in 69161 down to 3/100 in 69163, against a Thomas County average of 6/100. A spread of 5 points means Thomas County has to be worked ZIP by ZIP.
What do Thomas County home values and vacancy say about distressed supply?
The typical Thomas County home carries about $251,500 of value against a median household income near $71,346. Vacancy across Thomas County's tracked ZIPs runs 19.4% and the poverty rate is 7.3%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Thomas County's foreclosure and lien data and its 87/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.