Zapata County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Zapata County, Texas? DLRadar grades every Zapata County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 13/100. Here is the 2026 Zapata County breakdown.
- Zapata County's most distressed ZIP is 78545 at 13/100.
- 5 ZIP codes tracked in Zapata County, averaging 6/100 distress.
- Zapata County reads peak — home values up 0.9% year over year.
- Vacancy runs 43.9% across Zapata County's tracked ZIPs, with a 27.8% poverty rate.
- The typical Zapata County home is worth about $104,233 against a ~$38,328 median income.
- Lending headwind in Zapata County sits at 0/100 — a forward read on distressed supply.
Figures come from DLRadar's public-record distress index and refresh every month. Free to quote with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 78545 | 13/100 |
| 2 | 78361 | 6/100 |
| 3 | 78067 | 4/100 |
| 4 | 78076 | 4/100 |
| 5 | 78564 | 4/100 |
Most distressed ZIP codes in Zapata County (composite distress 0-100, 2026)
What is driving Zapata County distress
Nothing here is estimated: Zapata County is scored from filings alone, and its ZIPs average 6/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Zapata County market phase and pricing
DLRadar places Zapata County in peak; prices moved up 0.9% over the year. Longer marketing times follow, and with them the sellers worth calling.
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What people ask
What is the hardest-hit ZIP in Zapata County?
ZIP 78545 leads Zapata County at 13/100, recomputed monthly from public records.
What stage of the price cycle is Zapata County at?
Zapata County currently sits in peak, with values up 0.9% year on year, based on FHFA price-index trajectory.
What are the sources behind these Zapata County numbers?
Every Zapata County figure traces to a public source — FHFA House Price Index for the peak trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 5 Zapata County ZIP codes that it runs on every other U.S. county, so Zapata County's numbers are directly comparable to any other market.
How much do distress scores vary between Zapata County ZIP codes?
Averaging the county conceals how uneven it is. Across the Zapata County ZIPs DLRadar ranks, scores run from 13/100 in 78545 down to 4/100 in 78564, against a Zapata County average of 6/100. A spread of 9 points means Zapata County has to be worked ZIP by ZIP.
What do Zapata County home values and vacancy say about distressed supply?
The typical Zapata County home carries about $104,233 of value against a median household income near $38,328. Vacancy across Zapata County's tracked ZIPs runs 43.9% and the poverty rate is 27.8%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Zapata County's foreclosure and lien filings and its 0/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.