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

Hays County, TX, Texas: 14 ZIP codes scored, Hays County, TX averaging 29/100 (low, Hays, TX), from 20 to 34. Hays County, TX is in its contraction phase (Hays, TX confidence 5/100): Hays, TX home prices down 0.5% (Hays, TX) over twelve months, 1.1% under their peak. Hays County, TX lender headwind: 60/100.

Highest-scoring Hays County, TX ZIPs: 78736 (34/100), 78739 (34/100), 78130 (32/100), 78652 (31/100), 78623 (30/100), 78610 (29/100). Also scored in Hays County, TX: 78737, 78666, 78619, 78620, 78640, 78656, 78676, 78663.

Across Hays County, TX's scored ZIPs: median home value $506,164, household income $99,674, 5.3% vacancy, 7.6% poverty, 78% owner-occupied, median age 41.7.

Hays County, TX insurance distress 37/100 (#1,423 in the US); FEMA hazard 52/100 for Hays, TX; 2 federal disaster declarations in Hays County, TX since 2023 (2 flood); 1 Hays, TX NFIP flood claims; Hays, TX construction distress 58/100.

22 banks with 46 branches lend in Hays County, TX; Hays, TX weighted bank stress 67/100, highest 96/100 in Hays, TX.

Hays County, TX unemployment 3.9% (Hays, TX +0.1 pts, six months); 4,562 new housing units permitted in Hays County, TX over twelve months, Hays, TX down 5% from 4,827; Hays, TX home prices +6.5% a year (Hays, TX) over three years.

104,675 housing units in Hays County, TX; 33,912 Hays, TX renter households; 57% of Hays, TX renters spend 30%+ of income on rent, 31% (Hays, TX) half or more.

Hays County, TX ranks #1,225 nationally on the opportunity index (Hays, TX, among all ranked counties); Hays, TX scores 30.4/100 and Hays, TX sits #127 inside Texas. Hays, TX is in the watchlist opportunity phase; Hays, TX's primary driver is construction, Hays, TX second driver bank institutional; Hays, TX moved up 249 places. 130 short-sale listings across Hays, TX; 89 days on market observed in Hays, TX; 5.0% vacancy over 14 Hays, TX ZIPs.

0.9% of Hays County, TX mortgages were ninety-plus days late in December 2025; Hays, TX's thirty-to-eighty-nine-day share was 1.8% (CFPB county sample). Hays, TX's ninety-day rate is up 0.3 points on twelve months earlier; the Hays, TX peak since 2008 was 3.6% in February 2010; Texas overall reads 1.2%.

Hays County, TX has 17 watched banks; 17 Hays, TX banks sit in an elevated band. Hays, TX footprints: Frost Bank (5 branches, stress 69) in Hays, TX; Ozona Bank (4 branches, stress 79) in Hays, TX; Broadway National Bank (4 branches, stress 59) in Hays, TX.

HUD lists 12 assisted multifamily properties in Hays County, TX with 1,320 units.

4,826 of the 104,675 housing units in Hays, TX sit vacant. Hays County, TX permitted 791 multifamily units in twelve months; Hays, TX's one-to-four unit structures added 3,771 units in Hays County, TX.