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

Milam County, TX, Texas: 14 ZIP codes scored, Milam County, TX averaging 23/100 (low, Milam, TX), from 13 to 35. Milam County, TX is in its peak phase (Milam, TX confidence 22/100): Milam, TX home prices up 2.0% (Milam, TX) over twelve months. Milam County, TX lender headwind: 0/100.

Highest-scoring Milam County, TX ZIPs: 76578 (35/100), 76511 (33/100), 76534 (31/100), 76569 (29/100), 76519 (25/100), 76577 (25/100). Also scored in Milam County, TX: 76570, 76518, 76520, 76523, 76556, 77857, 76567, 77836.

Across Milam County, TX's scored ZIPs: median home value $207,600, household income $66,993, 13.9% vacancy, 12.7% poverty, 82% owner-occupied, median age 43.4.

Milam County, TX insurance distress 47/100 (#1,172 in the US); FEMA hazard 91/100 for Milam, TX; 6 federal disaster declarations in Milam County, TX since 2023 (3 hurricane, 3 flood); Milam, TX construction distress 39/100.

4 banks with 10 branches lend in Milam County, TX; Milam, TX weighted bank stress 44/100, highest 59/100 in Milam, TX.

Milam County, TX unemployment 4.6% (Milam, TX +0.2 pts, six months); 61 new housing units permitted in Milam County, TX over twelve months, Milam, TX up 20% from 51; Milam, TX home prices +10.3% a year (Milam, TX) over three years.

11,641 housing units in Milam County, TX; 2,268 Milam, TX renter households; 45% of Milam, TX renters spend 30%+ of income on rent, 21% (Milam, TX) half or more.

Milam County, TX ranks #2,134 nationally on the opportunity index (Milam, TX, among all ranked counties); Milam, TX scores 27.2/100 and Milam, TX sits #187 inside Texas. Milam, TX is in the weak opportunity phase; Milam, TX's primary driver is vacancy, Milam, TX second driver bank institutional; Milam, TX moved up 131 places. 5 short-sale listings across Milam, TX; 24 days on market observed in Milam, TX; 13.1% vacancy over 14 Milam, TX ZIPs.

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

Milam County, TX has 4 watched banks; 4 Milam, TX banks sit in an elevated band. Milam, TX footprints: Citizens National Bank (4 branches, stress 50) in Milam, TX; Classic Bank National Assn (3 branches, stress 59) in Milam, TX; Buckholts State Bank (2 branches, stress 13) in Milam, TX.

1,489 of the 11,641 housing units in Milam, TX sit vacant. Milam County, TX permitted 0 multifamily units in twelve months; Milam, TX's one-to-four unit structures added 61 units in Milam County, TX.

Peak
Market phase
2%
Milam, TX HPI YoY
0%
Drawdown
22
Milam confidence

Where distress concentrates in Milam County

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