Caldwell County, TX: Foreclosures, Tax Liens & Distressed Properties
Caldwell County, TX, Texas: 14 ZIP codes scored, Caldwell County, TX averaging 27/100 (low, Caldwell, TX), from 19 to 30. Caldwell County, TX is in its contraction phase (Caldwell, TX confidence 5/100): Caldwell, TX home prices down 0.5% (Caldwell, TX) over twelve months, 1.1% under their peak. Caldwell County, TX lender headwind: 15/100.
Highest-scoring Caldwell County, TX ZIPs: 78610 (30/100), 78632 (30/100), 78655 (29/100), 78959 (29/100), 78648 (28/100), 78666 (28/100). Also scored in Caldwell County, TX: 78622, 78640, 78644, 78661, 78656, 78616, 78953, 78662.
Across Caldwell County, TX's scored ZIPs: median home value $261,069, household income $77,204, 8.7% vacancy, 12.5% poverty, 73% owner-occupied, median age 39.6.
Caldwell County, TX insurance distress 37/100 (#1,422 in the US); FEMA hazard 52/100 for Caldwell, TX; 2 federal disaster declarations in Caldwell County, TX since 2023 (2 flood); 1 Caldwell, TX NFIP flood claims; Caldwell, TX construction distress 75/100.
6 banks with 7 branches lend in Caldwell County, TX; Caldwell, TX weighted bank stress 52/100, highest 80/100 in Caldwell, TX.
Caldwell County, TX unemployment 4.1% (Caldwell, TX +0.2 pts, six months); 423 new housing units permitted in Caldwell County, TX over twelve months, Caldwell, TX down 31% from 611; Caldwell, TX home prices +9.2% a year (Caldwell, TX) over three years.
17,582 housing units in Caldwell County, TX; 4,223 Caldwell, TX renter households; 38% of Caldwell, TX renters spend 30%+ of income on rent, 18% (Caldwell, TX) half or more.
Caldwell County, TX ranks #1,931 nationally on the opportunity index (Caldwell, TX, among all ranked counties); Caldwell, TX scores 27.9/100 and Caldwell, TX sits #173 inside Texas. Caldwell, TX is in the early_signal opportunity phase; Caldwell, TX's primary driver is construction, Caldwell, TX second driver bank institutional; Caldwell, TX moved up 646 places. 106 short-sale listings across Caldwell, TX; 98 days on market observed in Caldwell, TX; 6.7% vacancy over 14 Caldwell, TX ZIPs.
No CFPB county sample covers Caldwell County, TX. The metro area reading for Caldwell, TX (Austin-Round Rock-San Marcos, TX): 0.7% ninety-plus days late; Caldwell, TX's thirty-to-eighty-nine share is 1.5% (Caldwell, TX, December 2025 data); Texas overall 1.2%.
Caldwell County, TX has 5 watched banks; 5 Caldwell, TX banks sit in an elevated band. Caldwell, TX footprints: Sage Capital Bank (2 branches, stress 62) in Caldwell, TX; First Lockhart Bank (1 branch, stress 80) in Caldwell, TX; First National Bank Texas (1 branch, stress 77) in Caldwell, TX.
HUD lists 6 assisted multifamily properties in Caldwell County, TX with 260 units; 76 Caldwell, TX units are assisted, 2 Caldwell, TX properties under project-based Section 8.
935 of the 17,582 housing units in Caldwell, TX sit vacant. Caldwell County, TX permitted 30 multifamily units in twelve months; Caldwell, TX's one-to-four unit structures added 393 units in Caldwell County, TX.