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

Gray County, TX, Texas: 9 ZIP codes scored, Gray County, TX averaging 18/100 (low, Gray, TX), from 13 to 21. Gray County, TX is in its peak phase (Gray, TX confidence 9/100): Gray, TX home prices up 0.9% (Gray, TX) over twelve months. Gray County, TX lender headwind: 33/100.

Highest-scoring Gray County, TX ZIPs: 79002 (21/100), 79054 (21/100), 79066 (21/100), 79065 (19/100), 79039 (18/100), 79057 (18/100). Also scored in Gray County, TX: 79059, 79097, 79061.

Across Gray County, TX's scored ZIPs: median home value $104,886, household income $59,177, 19.4% vacancy, 7.4% poverty, 85% owner-occupied, median age 40.7.

Gray County, TX insurance distress 27/100 (#1,818 in the US); FEMA hazard 52/100 for Gray, TX; 2 federal disaster declarations in Gray County, TX since 2023; Gray, TX construction distress 71/100.

5 banks with 5 branches lend in Gray County, TX; Gray, TX weighted bank stress 53/100, highest 77/100 in Gray, TX.

Gray County, TX unemployment 4.0% (Gray, TX -0.2 pts, six months); 4 new housing units permitted in Gray County, TX over twelve months, Gray, TX down 20% from 5; Gray, TX home prices +8.8% a year (Gray, TX) over three years.

9,952 housing units in Gray County, TX; 2,102 Gray, TX renter households; 43% of Gray, TX renters spend 30%+ of income on rent, 20% (Gray, TX) half or more.

Gray County, TX ranks #128 nationally on the opportunity index (Gray, TX, among all ranked counties); Gray, TX scores 36.7/100 and Gray, TX sits #17 inside Texas. Gray, TX is in the strong_buy opportunity phase; Gray, TX's primary driver is vacancy, Gray, TX second driver construction; Gray, TX moved up 288 places. 3 short-sale listings across Gray, TX; 97 days on market observed in Gray, TX; 20.1% vacancy over 9 Gray, TX ZIPs.

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

Gray County, TX has 3 watched banks; 3 Gray, TX banks sit in an elevated band. Gray, TX footprints: First National Bank Texas (1 branch, stress 77) in Gray, TX; Firstbank Southwest (1 branch, stress 66) in Gray, TX; Boc Bank (1 branch, stress 41) in Gray, TX.

HUD lists 1 assisted multifamily property in Gray County, TX with 96 units; 96 Gray, TX units are assisted, 1 Gray, TX properties under project-based Section 8.

1,961 of the 9,952 housing units in Gray, TX sit vacant. Gray County, TX permitted 0 multifamily units in twelve months; Gray, TX's one-to-four unit structures added 4 units in Gray County, TX.