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

Ellis County, TX, Texas: 20 ZIP codes scored, Ellis County, TX averaging 30/100 (moderate, Ellis, TX), from 26 to 33. Ellis County, TX is in its peak phase (Ellis, TX confidence 9/100): Ellis, TX home prices up 0.9% (Ellis, TX) over twelve months. Ellis County, TX lender headwind: 20/100.

Highest-scoring Ellis County, TX ZIPs: 75104 (33/100), 75146 (33/100), 75101 (31/100), 75119 (31/100), 75125 (31/100), 75152 (31/100). Also scored in Ellis County, TX: 75154, 75165, 75167, 76041, 76064, 76065, 76623, 76651, 76670, 76084.

Across Ellis County, TX's scored ZIPs: median home value $268,665, household income $96,948, 8.3% vacancy, 10.1% poverty, 76% owner-occupied, median age 37.3.

Ellis County, TX insurance distress 68/100 (#692 in the US); FEMA hazard 59/100 for Ellis, TX; 3 federal disaster declarations in Ellis County, TX since 2023 (3 flood); 7 Ellis, TX NFIP flood claims, $313K paid; Ellis, TX construction distress 74/100.

15 banks with 37 branches lend in Ellis County, TX; Ellis, TX weighted bank stress 51/100, highest 77/100 in Ellis, TX.

Ellis County, TX unemployment 4.3% (Ellis, TX +0.2 pts, six months); 2,559 new housing units permitted in Ellis County, TX over twelve months, Ellis, TX down 26% from 3,442; Ellis, TX home prices +9.1% a year (Ellis, TX) over three years.

75,422 housing units in Ellis County, TX; 16,352 Ellis, TX renter households; 49% of Ellis, TX renters spend 30%+ of income on rent, 23% (Ellis, TX) half or more.

Ellis County, TX ranks #2,705 nationally on the opportunity index (Ellis, TX, among all ranked counties); Ellis, TX scores 24.9/100 and Ellis, TX sits #235 inside Texas. Ellis, TX is in the weak opportunity phase; Ellis, TX's primary driver is construction, Ellis, TX second driver bank institutional; Ellis, TX moved up 57 places. 5 short-sale listings across Ellis, TX; 105 days on market observed in Ellis, TX; 4.8% vacancy over 20 Ellis, TX ZIPs.

1.5% of Ellis County, TX mortgages were ninety-plus days late in December 2025; Ellis, TX's thirty-to-eighty-nine-day share was 4.7% (CFPB county sample). Ellis, TX's ninety-day rate is up 0.2 points on twelve months earlier; the Ellis, TX peak since 2008 was 4.7% in January 2010; Texas overall reads 1.2%.

Ellis County, TX has 10 watched banks; 10 Ellis, TX banks sit in an elevated band. Ellis, TX footprints: Citizens Nb Of Texas (6 branches, stress 34) in Ellis, TX; First National Bank Texas (3 branches, stress 77) in Ellis, TX; Harmony Bank (3 branches, stress 45) in Ellis, TX.

HUD lists 14 assisted multifamily properties in Ellis County, TX with 1,946 units; 80 Ellis, TX units are assisted, 2 Ellis, TX properties under project-based Section 8.

3,663 of the 75,422 housing units in Ellis, TX sit vacant. Ellis County, TX permitted 15 multifamily units in twelve months; Ellis, TX's one-to-four unit structures added 2,544 units in Ellis County, TX.