Texas Foreclosures, Tax Liens & Distressed Properties

Texas sits in DLRadar's nationwide distress index, scored entirely by one fixed, rule-based method. The phase distribution across counties: 198 peak, 18 contraction, 17 neutral, 17 recovery. The dominant market phase statewide is peak (avg HPI +1.7% YoY). The state covers 254 scored counties and 1,989 ZIP codes, averaging 26/100 composite distress.

The most stressed counties include Borden County, Dickens County, Kenedy County, King County, Loving County — each with a full county distress report.

Top ZIP-level distress statewide: 78040 (45/100), 78041 (45/100), 78043 (45/100), 78044 (45/100), 78045 (45/100).

County by county, here is how market phase and distress break down across Texas.

Anderson County: peak, prices up 0.9%. Andrews County reads peak — homes +0.9% YoY. DLRadar reads Angelina County as peak — appreciation near 0.9%, bank stress 43/100. Aransas County: peak, values about even, 4.1% off peak. Archer County: peak, appreciation near 0.8%, down 2.5% from its high, bank stress 79/100. Armstrong County reads peak — up 2.7% on the year. Atascosa County — contraction, down 1.2% on the year, 2.0% below peak, bank stress 60/100.

Austin County reads recovery — prices up 2.7%. DLRadar reads Bailey County as peak — up 2.0% on the year. Bandera County is contraction (homes -1.2% YoY, 2.0% off peak, lender pressure 52/100). In Bastrop County, contraction: prices down 0.5%, 1.1% off peak, a 29/100 lender reading. Baylor County reads peak — homes +2.0% YoY, a 17/100 lender reading. In Bee County, peak: up 0.9% on the year, a 57/100 lender reading. Bell County reads recovery — values rising 1.1%, 1.1% off peak, a 61/100 lender reading.

DLRadar reads Bexar County as contraction — homes -1.2% YoY, 2.0% off peak, headwind 49/100. Blanco County is in its peak phase, up 2.0% on the year, bank stress 67/100. In Borden County, peak: appreciation near 2.0%, headwind 100/100. Bosque County — neutral, prices up 1.2%, 2.8% below peak, bank stress 16/100. Bowie County — neutral, prices up 3.8%, 2.4% off peak. Brazoria County sits in recovery, values rising 2.7%, a 47/100 lender reading. Brazos County reads contraction — values off 3.0%, 3.0% below peak.

Brewster County — peak, appreciation near 2.0%, bank stress 52/100. Briscoe County — peak, values rising 2.0%. Brooks County is in its peak phase, appreciation near 0.9%, bank stress 62/100. Brown County is in its peak phase, up 0.9% on the year. In Burleson County, contraction: a 3.0% slide, 3.0% below peak. Burnet County — peak, appreciation near 2.0%, bank stress 30/100. Caldwell County is contraction (values off 0.5%, down 1.1% from its high, bank stress 15/100).

In Calhoun County, peak: appreciation near 0.9%, a 31/100 lender reading. Callahan County is in its expansion phase, up 8.9% on the year, lender pressure 21/100. Cameron County sits in neutral, values rising 4.3%, lender pressure 36/100. Camp County is peak (up 0.9% on the year, a 26/100 lender reading). Carson County is in its peak phase, values rising 2.7%. Cass County is peak (values rising 2.0%). Castro County: peak, values rising 2.0%.

Chambers County — recovery, up 2.7% on the year, a 49/100 lender reading. Cherokee County reads peak — appreciation near 0.9%. Childress County sits in peak, homes +2.0% YoY, bank stress 31/100. Clay County is in its peak phase, homes +0.8% YoY, 2.5% off peak. Cochran County reads neutral — values rising 2.5%, bank stress 37/100. Coke County: peak, up 2.0% on the year, headwind 66/100. Coleman County is in its peak phase, appreciation near 2.0%.

Collin County — peak, up 0.9% on the year, headwind 44/100. Collingsworth County is peak (prices up 2.0%, bank stress 96/100). In Colorado County, peak: appreciation near 2.0%. Comal County is in its contraction phase, a 1.2% slide, 2.0% off peak, lender pressure 43/100. Comanche County is in its peak phase, up 2.0% on the year. In Concho County, peak: up 2.0% on the year. Cooke County is peak (appreciation near 0.9%, headwind 39/100).

In Coryell County, recovery: appreciation near 1.1%, down 1.1% from its high, headwind 59/100.

Texas opportunity phases: 76 weak, 64 early_signal, 53 peak_opportunity, 31 watchlist, 22 strong_buy, 8 overheated; Texas average index 30.6. Best-ranked Texas counties: Mcculloch #5 (43.5), vacancy; Kinney #7 (43.0), construction; Jim Wells #15 (41.2), vacancy in Texas; Robertson #20 (40.6), vacancy; Kleberg #26 (39.6), vacancy; Hutchinson #30 (39.4), vacancy.

Texas mortgages ninety-plus days late: 1.2%; Texas thirty-to-eighty-nine days late 2.9% (December 2025); 35 Texas counties sit in the CFPB sample; highest Texas county readings: Webb 2.5%, Ector 2.3%, Jefferson 2.1%, Johnson 1.9%, Kaufman 1.9%.

Texas county unemployment averages 4.5% across 254 counties; Texas permitted 194,751 housing units in twelve months (53,115 multifamily); 1,135,699 of 12,128,515 Texas housing units are vacant; 4,023,511 Texas renter households, 34.4% spending 30%+ of income on rent.

Texas ZIP price-cycle phases: 7,363 peak, 1,995 expansion, 953 contraction, 499 neutral, 417 recovery.