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

Bell County, TX, Texas: 23 ZIP codes scored, Bell County, TX averaging 30/100 (moderate, Bell, TX), from 21 to 34. Bell County, TX is in its recovery phase (Bell, TX confidence 11/100): Bell, TX home prices up 1.1% (Bell, TX) over twelve months, 1.1% under their peak. Bell County, TX lender headwind: 61/100.

Highest-scoring Bell County, TX ZIPs: 76527 (34/100), 76511 (33/100), 76542 (33/100), 76501 (31/100), 76502 (31/100), 76504 (31/100). Also scored in Bell County, TX: 76513, 76534, 76541, 76543, 76548, 76549, 76554, 76559, 76571, 76528.

Across Bell County, TX's scored ZIPs: median home value $228,123, household income $68,779, 11.6% vacancy, 12.6% poverty, 65% owner-occupied, median age 37.1.

Bell County, TX insurance distress 65/100 (#766 in the US); FEMA hazard 52/100 for Bell, TX; 2 federal disaster declarations in Bell County, TX since 2023 (2 flood); 34 Bell, TX NFIP flood claims, $660K paid; Bell, TX construction distress 63/100.

19 banks with 62 branches lend in Bell County, TX; Bell, TX weighted bank stress 66/100, highest 80/100 in Bell, TX.

Bell County, TX unemployment 5.2% (Bell, TX +0.1 pts, six months); 2,645 new housing units permitted in Bell County, TX over twelve months, Bell, TX down 12% from 3,006; Bell, TX home prices +9.1% a year (Bell, TX) over three years.

155,018 housing units in Bell County, TX; 60,749 Bell, TX renter households; 48% of Bell, TX renters spend 30%+ of income on rent, 22% (Bell, TX) half or more.

Bell County, TX ranks #1,128 nationally on the opportunity index (Bell, TX, among all ranked counties); Bell, TX scores 30.7/100 and Bell, TX sits #122 inside Texas. Bell, TX is in the watchlist opportunity phase; Bell, TX's primary driver is construction, Bell, TX second driver bank institutional; Bell, TX moved up 394 places. 89 short-sale listings across Bell, TX; 81 days on market observed in Bell, TX; 8.3% vacancy over 23 Bell, TX ZIPs.

1.2% of Bell County, TX mortgages were ninety-plus days late in December 2025; Bell, TX's thirty-to-eighty-nine-day share was 2.7% (CFPB county sample). Bell, TX's ninety-day rate is up 0.1 points on twelve months earlier; the Bell, TX peak since 2008 was 3.4% in February 2013; Texas overall reads 1.2%.

Bell County, TX has 13 watched banks; 13 Bell, TX banks sit in an elevated band. Bell, TX footprints: First National Bank Texas (18 branches, stress 77) in Bell, TX; Extraco Banks National Assn (7 branches, stress 80) in Bell, TX; Verabank National Assn (4 branches, stress 53) in Bell, TX.

HUD lists 18 assisted multifamily properties in Bell County, TX with 2,307 units.

12,713 of the 155,018 housing units in Bell, TX sit vacant. Bell County, TX permitted 157 multifamily units in twelve months; Bell, TX's one-to-four unit structures added 2,488 units in Bell County, TX.