Wharton County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Wharton County, TX distress report, 2026: 13 ZIPs scored in Wharton, TX, Wharton, TX average 30/100; the top Wharton, TX ZIP is 77420 at 32/100; Wharton, TX market phase peak, Wharton, TX prices +0.9% year over year.
- Wharton, TX ranks #924 nationally (opportunity index); Wharton, TX #103 in Texas; Wharton, TX index 31.5.
- Wharton, TX: no CFPB county sample; Wharton, TX non-metro area reading 1.4%.
- Wharton, TX ZIP phases: 13 peak.
- Wharton, TX residential listings tracked: 19 across 12 ZIPs; Wharton, TX candidate listings 5.
- Wharton, TX HUD assisted properties: 4 with 306 units.
- Wharton, TX lenders on watch: 8; largest Wharton, TX footprint First State Bank (4 branches).
- Wharton, TX most distressed ZIP: 77420 at 32/100.
Wharton, TX figures: DLRadar distress index; Wharton, TX inputs: CFPB, FHFA, HUD, FDIC; Wharton, TX rebuilt as sources refresh.
| Rank | Wharton, TX ZIP | Score |
|---|---|---|
| 1 | 77420 | 32/100 |
| 2 | 77435 | 31/100 |
| 3 | 77432 | 30/100 |
| 4 | 77436 | 30/100 |
| 5 | 77437 | 30/100 |
| 6 | 77443 | 30/100 |
| 7 | 77448 | 30/100 |
| 8 | 77453 | 30/100 |
| 9 | 77454 | 30/100 |
| 10 | 77455 | 30/100 |
| 11 | 77467 | 30/100 |
| 12 | 77488 | 30/100 |
Most distressed Wharton, TX ZIPs (0-100, 2026)
Mortgage delinquency around Wharton, TX
No CFPB county sample covers Wharton, TX; the non-metro area reading for Wharton, TX: 1.4% ninety-plus; Wharton, TX area thirty-to-eighty-nine 3.5% (December 2025, Wharton, TX); Texas overall 1.2%.
Opportunity index: Wharton, TX
Wharton, TX index 31.5, Wharton, TX phase watchlist; Wharton, TX primary driver vacancy, Wharton, TX second driver construction. Wharton, TX components: property stress 19.3, foreclosure pressure 20.2, listing discounts 38.7, bank stress 50.7, insurance 0.0; Wharton, TX pulse 33.0; Wharton, TX capital opportunity 29.2; Wharton, TX seven-day change -0.1%.
ZIP market phases inside Wharton, TX
13 Wharton, TX ZIPs carry a price-cycle phase; Wharton, TX ZIPs by phase (Wharton, TX), deepest drawdown first: peak, +1.2% YoY (Wharton, TX): 77420; peak, +0.9% YoY (Wharton, TX): 77432, 77436, 77437, 77443, Wharton, TX 77448, 77453, 77454, 77467, Wharton, TX 77488; peak, +1.6% YoY (Wharton, TX): 77434; peak, +1.1% YoY (Wharton, TX): 77435, 77455.
Residential listings by Wharton, TX ZIP
Wharton, TX ZIPs with the most tracked Wharton, TX residential listings: 77488 9 listings, 2 candidates, bank pressure 53; 77437 5 listings, 1 candidates, bank pressure 53; 77455 4 listings, 2 candidates, bank pressure 53; 77435 1 listings, 0 candidates, bank pressure 56 (Wharton, TX); 77420 0 listings, 0 candidates, bank pressure 55; 77432 0 listings, 0 candidates, bank pressure 53; 77436 0 listings, 0 candidates, bank pressure 53; 77443 0 listings, 0 candidates, bank pressure 53. Wharton, TX totals: 19 listings; Wharton, TX candidates 5; active ZIPs 4.
HUD assisted housing in Wharton, TX
4 assisted properties with 306 units sit in Wharton, TX; largest Wharton, TX properties: Riverbend Apartments (Wharton) 104 units; Pecan Village Dba University Place Apts. (Wharton) 82 units, 80 assisted; El Campo Village (El Campo) 80 units in Wharton, TX; Morning Star Apartments (Wharton) 40 units, 39 assisted.
Lenders with branches in Wharton, TX
Wharton, TX lenders by branch count: First State Bank (Wharton, TX): stress 46, 4 branches low in Wharton, TX; Newfirst National Bank (Wharton, TX): stress 31, 4 branches low in Wharton, TX; Prosperity Bank (Wharton, TX): stress 33, 3 branches low in Wharton, TX; Stellar Bank (Wharton, TX): stress 71, 2 branches low in Wharton, TX; First National Bank Texas (Wharton, TX): stress 77, 1 branch low in Wharton, TX; First Nb Of Eagle Lake (Wharton, TX): stress 55, 1 branch low in Wharton, TX; Woodforest National Bank (Wharton, TX): stress 54, 1 branch low in Wharton, TX; First Financial Bank (Wharton, TX): stress 49, 1 branch low in Wharton, TX.
Vacancy and permits, Wharton, TX
1,821 of 17,711 Wharton, TX housing units are vacant; Wharton, TX permits, twelve months: 27 multifamily units in Wharton, TX, 159 one-to-four unit units.
Work Wharton, TX at the parcel level
Every Wharton, TX parcel carries owner and address; every Wharton, TX parcel carries APN; Wharton, TX distress scores sit on the Wharton, TX live board.
Wharton, TX figures refresh with each source.
Wharton, TX questions
Most distressed ZIP code in Wharton County, TX?
ZIP 77420 leads Wharton, TX at 32/100; next in Wharton, TX: 77435 at 31/100; the Wharton, TX average is 30/100.
Where does Wharton County, TX rank for investment opportunity?
Wharton, TX is #924 among all ranked counties, #103 in Texas; the Wharton, TX driver is vacancy; Wharton, TX moved up 572 places.
How many mortgages are delinquent in Wharton County, TX?
Wharton, TX takes the non-metro area reading of 1.4% for December 2025; no CFPB county sample covers Wharton, TX.
Which banks lend in Wharton County, TX?
8 watched lenders hold Wharton, TX branches; the largest Wharton, TX footprints are First State Bank (4), Newfirst National Bank (4), Prosperity Bank (3).
More on Wharton, TX
Wharton County, TX distress report: public-record figures for Wharton, TX; not legal advice for Wharton, TX; not tax or investment advice; verify every Wharton, TX record before acting.