Upshur County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Upshur County, Texas? DLRadar grades every Upshur County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 34/100. Here is the 2026 Upshur County breakdown.
- Upshur County's most distressed ZIP is 75604 at 34/100.
- 12 ZIP codes tracked in Upshur County, averaging 26/100 distress.
- Upshur County reads recovery — home values up 2.8% year over year.
- Vacancy runs 15.3% across Upshur County's tracked ZIPs, with a 14.3% poverty rate.
- The typical Upshur County home is worth about $185,317 against a ~$65,911 median income.
- Lending headwind in Upshur County sits at 32/100 — a forward read on distressed supply.
Source: the DLRadar property-distress index, rebuilt monthly from public records. Cite it freely with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 75604 | 34/100 |
| 2 | 75605 | 32/100 |
| 3 | 75644 | 31/100 |
| 4 | 75645 | 31/100 |
| 5 | 75647 | 30/100 |
| 6 | 75755 | 30/100 |
| 7 | 75683 | 29/100 |
| 8 | 75640 | 26/100 |
| 9 | 75494 | 19/100 |
| 10 | 75765 | 19/100 |
| 11 | 75451 | 18/100 |
| 12 | 75686 | 15/100 |
Most distressed ZIP codes in Upshur County (composite distress 0-100, 2026)
What is driving Upshur County distress
Nothing here is estimated: Upshur County is scored from filings alone, and its ZIPs average 26/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Upshur County market phase and pricing
Upshur County reads recovery — home prices rose 2.8% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
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Frequently asked questions
Which Upshur County ZIP scores worst for distress?
ZIP 75604 leads Upshur County at 34/100, recomputed monthly from public records.
How would you describe the Upshur County market phase?
The market phase for Upshur County is recovery, prices rising 2.8% on the year — derived from the FHFA House Price Index path.
How is the Upshur County data sourced?
Each Upshur County number can be traced back to a federal or county source — FHFA, CFPB, the recorder, FEMA/NFIP and Census ACS. One deterministic model covers all 12 local ZIPs and every other county in the country.
How much do distress scores vary between Upshur County ZIP codes?
One county number flattens a wide range. Across the Upshur County ZIPs DLRadar ranks, scores run from 34/100 in 75604 down to 15/100 in 75686, against a Upshur County average of 26/100. With 19 points between best and worst, county-level targeting in Upshur County wastes effort.
What do Upshur County home values and vacancy say about distressed supply?
The typical Upshur County home carries about $185,317 of value against a median household income near $65,911. Vacancy across Upshur County's tracked ZIPs runs 15.3% and the poverty rate is 14.3%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Upshur County's foreclosure and tax-lien filings and its 32/100 lending headwind.
Related
A deterministic scoring of public filings. Nothing on this page constitutes investment, legal or financial advice. Monthly refresh from the live index.