Texas foreclosures and housing market

How foreclosure works in Texas, which counties lean to buyers or sellers, and how many homes are for sale right now.

How's the market in Texas?

A buyer's market.

Listings spent about 71 days on the market, and 21% had a price cut in October 2026.

State

County

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Market figures: Realtor.com® Economic Research, October 2026. Free weekly email. Unsubscribe anytime.

Brick homes and oak trees along a curving suburban street at sunset

Distressed properties in Texas

Pre-foreclosures, auctions, bank-owned and HUD homes from county notices. Pick a status or tap a ZIP on the map. We show the street area, never the house number.

2properties in TexasUpdated Oct 3, 2026

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HUD homePrice reducedRepresentative photo

Thornridge Cir area

Argyle, TX 76226 · Denton County

Single-family · $500K to $750K

HUD home: the FHA took this home back after a foreclosure and sells it through online bids.

Updated Oct 3, 2026

HUD homeBids openRepresentative photo

Beaver Creek Ave area

Denton, TX 76207 · Denton County

Single-family · $200K to $300K

HUD home: the FHA took this home back after a foreclosure and sells it through online bids.

Updated Oct 3, 2026

Source: county notices compiled by Real Estate Intel. Photos are representative, not the actual homes. Street areas only, never house numbers or owner names. Confirm every detail with the county before you act.

The Texas market in October 2026

Our score compares how many listings went under contract with how many were for sale, ranked against every US county. Low scores lean to buyers, high scores to sellers.

Most buyer-friendly counties

Lowest scores among counties with 50+ homes for sale.

Most seller-friendly counties

Highest scores among counties with 50+ homes for sale.

Source: Realtor.com® Economic Research, October 2026 county data. County days on market are medians. State and US figures weight each county by its homes for sale. Price-cut share is the share of listings with a price reduction.

Non-judicial

How foreclosure works in Texas

Most Texas foreclosures are non-judicial.

Main steps and notices: For a primary residence, the lender sends a notice of default by certified mail with at least 20 days to cure.
The notice of sale goes out by certified mail at least 21 days before the sale, is posted at the courthouse door and filed with the county clerk.
Sales take place on the first Tuesday of the month, between 10 a.m. and 4 p.m., at the county courthouse.
A lender has two years after the sale to sue for a deficiency.
Catching up before the sale: The default notice gives at least 20 days to cure.
After the sale: There is no right to redeem after the sale.
Before any of this starts: Under federal rules, a mortgage servicer generally can't make the first notice or filing for foreclosure until the borrower is more than 120 days behind.
Governing law: Texas Property Code § 51.002; § 51.003

Sources

General information, not legal advice.

Laws change and each case differs. Anyone facing foreclosure should talk with a local attorney or a HUD-approved housing counselor.

Go deeper in Texas

Texas questions

Is foreclosure in Texas judicial or non-judicial?

Most Texas foreclosures are non-judicial.

Can a homeowner get the home back after a foreclosure sale in Texas?

There is no right to redeem after the sale.

Can a borrower in Texas catch up on the loan before the sale?

The default notice gives at least 20 days to cure.

Is Texas a buyer's or seller's market right now?

A buyer's market. Texas scores 38 out of 100 on our market scale, where low scores lean to buyers. Listings spent about 71 days on the market, and 21% had a price cut in October 2026. Source: Realtor.com® Economic Research.

How far behind does a borrower have to be before foreclosure starts?

Under federal rules, a mortgage servicer generally can't make the first notice or filing for foreclosure until the borrower is more than 120 days behind. Source: Consumer Financial Protection Bureau.