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

Stephens County, TX, Texas: 8 ZIP codes scored, Stephens County, TX averaging 6/100 (minimal, Stephens, TX), from 1 to 16. Stephens County, TX is in its peak phase (Stephens, TX confidence 22/100): Stephens, TX home prices up 2.0% (Stephens, TX) over twelve months. Stephens County, TX lender headwind: 19/100.

Highest-scoring Stephens County, TX ZIPs: 76475 (16/100), 76450 (9/100), 76437 (8/100), 76470 (7/100), 76429 (4/100), 76424 (2/100). Also scored in Stephens County, TX: 76464, 76491.

Across Stephens County, TX's scored ZIPs: median home value $159,063, household income $58,858, 26.8% vacancy, 16.7% poverty, 77% owner-occupied, median age 44.6.

Stephens County, TX insurance distress 0/100 (#3,111 in the US); FEMA hazard 0/100 for Stephens, TX; Stephens, TX construction distress 3/100.

3 banks with 3 branches lend in Stephens County, TX; Stephens, TX weighted bank stress 45/100, highest 60/100 in Stephens, TX.

Stephens County, TX unemployment 4.6% (Stephens, TX +0.1 pts, six months); 2 new housing units permitted in Stephens County, TX over twelve months, Stephens, TX up 100% from 1; Stephens, TX home prices +13.5% a year (Stephens, TX) over three years.

4,676 housing units in Stephens County, TX; 762 Stephens, TX renter households; 30% of Stephens, TX renters spend 30%+ of income on rent, 14% (Stephens, TX) half or more.

Stephens County, TX ranks #1,225 nationally on the opportunity index (Stephens, TX, among all ranked counties); Stephens, TX scores 30.4/100 and Stephens, TX sits #127 inside Texas. Stephens, TX is in the watchlist opportunity phase; Stephens, TX's primary driver is vacancy, Stephens, TX second driver bank institutional; Stephens, TX moved up 870 places. 6 days on market observed in Stephens, TX; 21.7% vacancy over 8 Stephens, TX ZIPs.

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

Stephens County, TX has 2 watched banks; 2 Stephens, TX banks sit in an elevated band. Stephens, TX footprints: Graham Savings&Loan Ssb (1 branch, stress 60) in Stephens, TX; Clear Fork Bank Na (1 branch, stress 43) in Stephens, TX.

1,053 of the 4,676 housing units in Stephens, TX sit vacant. Stephens County, TX permitted 0 multifamily units in twelve months; Stephens, TX's one-to-four unit structures added 2 units in Stephens County, TX.