Baylor County, TX: Foreclosures, Tax Liens & Distressed Properties

Baylor County, TX, Texas: 2 ZIP codes scored, Baylor County, TX averaging 13/100 (minimal, Baylor, TX), from 7 to 18. Baylor County, TX is in its peak phase (Baylor, TX confidence 22/100): Baylor, TX home prices up 2.0% (Baylor, TX) over twelve months. Baylor County, TX lender headwind: 17/100.

Highest-scoring Baylor County, TX ZIPs: 76360 (18/100), 76380 (7/100).

Across Baylor County, TX's scored ZIPs: median home value $86,250, household income $52,744, 28.0% vacancy, 19.8% poverty, 67% owner-occupied, median age 44.2.

Baylor County, TX insurance distress 27/100 (#1,809 in the US); FEMA hazard 52/100 for Baylor, TX; 2 federal disaster declarations in Baylor County, TX since 2023 (2 flood).

3 banks with 3 branches lend in Baylor County, TX; Baylor, TX weighted bank stress 67/100, highest 85/100 in Baylor, TX.

Baylor County, TX unemployment 3.2% (Baylor, TX +0.3 pts, six months).

2,190 housing units in Baylor County, TX; 514 Baylor, TX renter households; 35% of Baylor, TX renters spend 30%+ of income on rent, 16% (Baylor, TX) half or more.

Baylor County, TX ranks #1,007 nationally on the opportunity index (Baylor, TX, among all ranked counties); Baylor, TX scores 31.1/100 and Baylor, TX sits #113 inside Texas. Baylor, TX is in the early_signal opportunity phase; Baylor, TX's primary driver is vacancy, Baylor, TX second driver bank institutional; Baylor, TX moved down 434 places. 29.1% vacancy over 2 Baylor, TX ZIPs.

No CFPB county sample covers Baylor County, TX. The non-metro area reading for Baylor, TX: 1.4% ninety-plus days late; Baylor, TX's thirty-to-eighty-nine share is 3.5% (Baylor, TX, December 2025 data); Texas overall 1.2%.

Baylor County, TX has 2 watched banks; 2 Baylor, TX banks sit in an elevated band. Baylor, TX footprints: Cornerstone Capital Bank Ssb (1 branch, stress 85) in Baylor, TX; Herring Bank (1 branch, stress 85) in Baylor, TX.

660 of the 2,190 housing units in Baylor, TX sit vacant.