Harris County, TX: Foreclosures, Tax Liens & Distressed Properties
Harris County, TX, Texas: 143 ZIP codes scored, Harris County, TX averaging 36/100 (moderate, Harris, TX), from 30 to 38. Harris County, TX is in its recovery phase (Harris, TX confidence 17/100): Harris, TX home prices up 2.7% (Harris, TX) over twelve months. Harris County, TX lender headwind: 45/100.
Highest-scoring Harris County, TX ZIPs: 77365 (38/100), 77357 (37/100), 77581 (37/100), 77002 (36/100), 77003 (36/100), 77004 (36/100). Also scored in Harris County, TX: 77005, 77006, 77007, 77008, 77009, 77010, 77011, 77012, 77013, 77014.
Across Harris County, TX's scored ZIPs: median home value $312,975, household income $81,887, 8.8% vacancy, 16.5% poverty, 56% owner-occupied, median age 35.0.
Harris County, TX insurance distress 92/100 (#79 in the US); FEMA hazard 91/100 for Harris, TX; 6 federal disaster declarations in Harris County, TX since 2023 (3 hurricane, 3 flood); 1,889 Harris, TX NFIP flood claims, $56.5M paid; Harris, TX construction distress 53/100.
87 banks with 857 branches lend in Harris County, TX; Harris, TX weighted bank stress 62/100, highest 87/100 in Harris, TX.
Harris County, TX unemployment 5.0% (Harris, TX +0.2 pts, six months); 28,922 new housing units permitted in Harris County, TX over twelve months, Harris, TX down 3% from 29,679; Harris, TX home prices +7.0% a year (Harris, TX) over three years.
1,917,790 housing units in Harris County, TX; 781,714 Harris, TX renter households; 50% of Harris, TX renters spend 30%+ of income on rent, 25% (Harris, TX) half or more.
Harris County, TX ranks #940 nationally on the opportunity index (Harris, TX, among all ranked counties); Harris, TX scores 31.4/100 and Harris, TX sits #105 inside Texas. Harris, TX is in the watchlist opportunity phase; Harris, TX's primary driver is bank institutional, Harris, TX second driver construction; Harris, TX moved up 683 places. 746 short-sale listings across Harris, TX; 98 days on market observed in Harris, TX; 7.9% vacancy over 143 Harris, TX ZIPs.
1.4% of Harris County, TX mortgages were ninety-plus days late in December 2025; Harris, TX's thirty-to-eighty-nine-day share was 3.3% (CFPB county sample). Harris, TX's ninety-day rate is up 0.1 points on twelve months earlier; the Harris, TX peak since 2008 was 4.3% in January 2010; Texas overall reads 1.2%.
Harris County, TX has 40 watched banks; 40 Harris, TX banks sit in an elevated band. Harris, TX footprints: Woodforest National Bank (63 branches, stress 54) in Harris, TX; Frost Bank (46 branches, stress 69) in Harris, TX; First National Bank Texas (42 branches, stress 77) in Harris, TX.
HUD lists 161 assisted multifamily properties in Harris County, TX with 22,581 units; 6,036 Harris, TX units are assisted, 29 Harris, TX properties under project-based Section 8.
160,626 of the 1,917,790 housing units in Harris, TX sit vacant. Harris County, TX permitted 10,535 multifamily units in twelve months; Harris, TX's one-to-four unit structures added 18,387 units in Harris County, TX.