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Texas Foreclosure Statistics

Live counts of active Notice of Trustee’s Sale filings across Texas, aggregated daily from county clerk public records. Free to cite for reporting and research — see how we source this data.

Active auctions

6,976

Median home value

$283,200

Median est. equity

$65,861

Filing → auction

47 days

Next auction day: Tuesday, October 6

Texas sells at the courthouse steps on the first Tuesday of the month, everywhere at once — 4,202 properties across 75 counties are scheduled for that single morning. How the sale works

How much equity is behind a Texas foreclosure?

The common picture of a foreclosure is a worthless house. The county’s own numbers say otherwise: where the appraisal and the recorded loan are both known, 79% of properties show positive equity, median $65,861 — value the sale wipes out for the owner and puts on the table for the buyer.

  • Underwater (owes more than value)
    1,139
  • $0 – $50K equity
    1,230
  • $50K – $150K equity
    2,024
  • $150K+ equity
    1,099

1,563 further notices have no equity estimate yet — usually because the notice does not print the original loan amount and no deed of trust has been matched to the property. We count only what we can source, and say so.

The house vs the loan it dies with

The original loan amount is the principal as written when the loan was made — read from the notice of sale, or from the recorded Deed of Trust where we have matched one — not today’s balance and not an estimate. Against the county’s appraisal, the median home at auction is worth 1.32× its original loan — and 1,130 properties have at least doubled past it. Most Texas foreclosures are not underwater houses; they are cash-flow failures on appreciated ones.

  • Worth less than the original loan
    1,165
  • 1× – 1.5× the loan
    2,220
  • 1.5× – 2× the loan
    1,001
  • 2× the loan or more
    1,130

Note: the original loan is the amount at origination, not today’s payoff — years of payments usually put the real debt lower, and the real equity higher, than this ratio implies.

Auction volume by month — Dallas County

Dallas is our longest-covered county, so its series is the clean read on direction. (A statewide month-by-month line would mostly chart our own county rollout during 2026, not the market — so we don’t draw one.)

* scheduled — future months keep filling until ~3 weeks before the sale.

What’s going to auction — by decade built

The stereotype says foreclosure hits worn-out mid-century stock. The register says otherwise: the median home at a Texas auction was built in 2002, and the 2020s — houses just a few years old — are one of the largest cohorts on the block.

And the tail is long: 80 residential properties appraised at $1M+ are scheduled for auction right now — including 14515 Ridgetop Ter, Austin ($5M), 5816 Walnut Hill, Dallas ($4M) and 501 Bristol Dr Allen, Allen ($4M).

Who is foreclosing — top lenders by active notices

  • Mortgage Electronic Registration Systems, Inc.
    852
  • Freedom Mortgage Corporation
    407
  • Lakeview Loan Servicing, LLC
    398
  • PennyMac Loan Services, LLC
    315
  • MidFirst Bank
    306
  • U.S. Bank, N.A.
    272
  • Rocket Mortgage LLC
    257
  • Wells Fargo Bank, N.A.
    194
  • Carrington Mortgage Services, LLC
    187
  • NewRez LLC
    171

Mortgage Electronic Registration Systems (MERS) is a registry nominee — it appears on notices on behalf of many different underlying lenders.

And on the other side of the notice: 0.0% of named borrowers are companies — LLCs, trusts, investment entities (0 of 6,927). The other 100.0% are people. Texas foreclosure is still overwhelmingly a household event, not an institutional one.

Who runs the sales — top trustee firms

A handful of law firms and auction services administer most Texas trustee sales.

  • Barrett Daffin Frappier Turner & Engel
    557
  • Tejas Corporate Services, LLC
    506
  • AVT Title Services, LLC
    472
  • Auction.com, LLC
    456
  • Nestor Solutions, LLC
    333
  • Codilis & Stawiarski, P.C.
    296
  • Resolve Trustee Services, LLC
    293
  • Padgett Law Group
    255

The same house, back on the block

Among 7,970 upcoming auctions, 825 (10%) have been posted for sale before. 109 are on at least their third posting. Why a sale came back is not in the posting itself — a cured loan, a postponement and a refiled case all look the same here, and we do not claim to know which one happened.

How old is a loan when it dies?

For 1,129 auctions across Dallas, Tarrant and Bexar where we hold the foreclosed Deed of Trust’s own recording number, the median loan reaches the courthouse steps 5 years after it was made — and the 2021–2024 cohorts dominate the block: the loans dying now are young.

Recording year of the specific Deed of Trust being foreclosed — decoded from its recorder number, not estimated. The cohort grows as the loan reader covers more counties.

Where auctioned homes rent hardest

Median gross rent yield — a year of estimated rent against the county’s appraised value — for homes currently scheduled for auction. The spread across Texas is wide: 13.3% in Hidalgo County against 7.2% in Williamson County.

  • Hidalgo
    13.3%
  • Cameron
    10.8%
  • Bastrop
    10.2%
  • Mclennan
    10.1%
  • Lubbock
    9.8%
  • Harris
    9.8%
  • Nueces
    9.7%
  • Galveston
    9.6%
  • Dallas
    9.5%
  • Hunt
    9.5%
  • Chambers
    9.4%
  • Montgomery
    9.3%
  • Fortbend
    9.3%
  • Elpaso
    9.2%
  • Webb
    9.2%
  • Johnson
    9.2%
  • Tarrant
    9.2%
  • Kaufman
    9.2%
  • Ellis
    8.8%
  • Bell
    8.8%
  • Bexar
    8.8%
  • Rockwall
    8.6%
  • Guadalupe
    8.4%
  • Hays
    8.2%
  • Denton
    8.2%
  • Collin
    7.8%
  • Travis
    7.5%
  • Williamson
    7.2%

Gross of taxes, insurance and repairs; rent is an automated estimate. Counties with at least 30 priced rentals shown.

Foreclosures by Texas metro

MetroActiveMarket valueAvg. equity
Houston2,191$746M$111,182
DFW (Dallas-Fort Worth)1,900$906M$156,672
San Antonio1,006$460M$102,307
Austin493$200M$158,523
Rio Grande Valley366$57M$53,204
Coastal Bend (Corpus Christi)182$68M$72,134
Killeen–Temple (Bell and Coryell)152$39M$118,707
El Paso133$32M$88,962
East Texas123$22M$77,571
Waco (McLennan and Hill)92$21M$101,308
Beaumont–Port Arthur78$14M$61,660
Lubbock (South Plains)62$19M$69,003
Laredo59$15M$79,862
Permian Basin44$9M$71,076
Abilene34$7M$60,843
Brazos Valley (Bryan–College Station)30$8M$136,541
San Angelo14$2M$77,457
Brownwood11$2M$26,105
Eagle Pass4$1M$0
Texas Hill Country2$614,640—

Foreclosures by county

The ZIP codes carrying the load

Foreclosure is geographically lumpy: just 10 of 894 ZIP codes hold 8% of every active notice in the state.

  • 78245 · San Antonio (71)
  • 77373 · Spring (70)
  • 78109 · Converse (63)
  • 75126 · Forney (63)
  • 77346 · Humble (59)
  • 77449 · Katy (58)
  • 77493 · Katy (52)
  • 77433 · Cypress (48)
  • 76227 · Aubrey (46)
  • 78542 · Edinburg (43)

Top Texas cities by foreclosure volume

Using this data

These figures are free to cite for journalism and research. Please attribute to Fclosure with a link to fclosure.com, and note the access date — the data updates every 24 hours. For questions about sourcing and definitions, see our methodology, or contact us for a custom pull or interview.

Suggested citation: “Fclosure, Texas Foreclosure Statistics, accessed October 6, 2026, https://fclosure.com/data.”

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Query data programmatically in JSON format:

https://fclosure.com/api/data/foreclosure-stats

Append &format=csv for CSV output.

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Frequently asked questions

How many foreclosures are in Texas right now?
As of October 6, 2026, Fclosure tracks 6,976 active foreclosure auctions across 75 covered Texas counties, with a combined appraised market value of $2,627,383,312. The data is refreshed every 24 hours from county clerk records.
How much equity does a typical Texas foreclosure have?
Among active notices where the county appraisal and the recorded loan are both known, the median estimated equity is $65,861, and 79% of properties show positive equity. A foreclosure sale usually auctions a house that is worth more than what is owed on it.
How long does a Texas foreclosure take from filing to auction?
The median gap between the Notice of Trustee's Sale being filed and the auction itself is 47 days in our data. Texas is a non-judicial state: sales happen on the first Tuesday of each month, and the statutory notice period is 21 days.
Are foreclosed homes in Texas underwater?
Mostly not. Against the original loan amount — the principal as written on the notice of sale or the recorded deed of trust, not today's balance — the median home at a Texas auction is appraised at 1.32× its loan amount, and 1,130 active properties are worth at least double their original loan. Most Texas foreclosures are payment failures on appreciated homes, not negative-equity walkaways.
What share of Texas foreclosures are investor-owned?
0.0% of named borrowers on active notices are companies — LLCs, trusts and investment entities. The rest are individual households.
Which lenders foreclose the most in Texas?
By active notices right now: Mortgage Electronic Registration Systems, Inc., Freedom Mortgage Corporation, Lakeview Loan Servicing, LLC. Note that Mortgage Electronic Registration Systems (MERS) appears as nominee on behalf of many different lenders.
Can I cite or reference this Texas foreclosure data?
Yes. This data is free to cite for reporting and research with attribution to Fclosure and a link to fclosure.com. Figures update daily, so please include the date you accessed them.
Texas Foreclosure Statistics & Data | Fclosure