Travis County Pre-Foreclosures Hit 1,850: What Sellers Should Know

What This Means for Texas Home Sellers

Travis County had 1,850 properties in pre-foreclosure and another 7,200 tax-delinquent as of June 2026, according to Texas Signals' Austin-metro tracker. Zoom out to the full six-county Austin metro, Travis, Williamson, Hays, Bastrop, Caldwell, and Burnet counties, and that number climbs to 3,547 active pre-foreclosure filings and 13,439 tax-delinquent properties. Travis County alone carries more than half the metro's pre-foreclosure total.

Nationally, mortgage delinquency held at 4.37% of all loans outstanding in the second quarter of 2026, down 7 basis points from the first quarter but up 44 basis points from a year earlier, while the share of loans actually in foreclosure rose to 0.67% (Mortgage Bankers Association, National Delinquency Survey, published August 13, 2026). The 90-day-late bucket, the one closest to real foreclosure risk, rose to 1.43% the same quarter. A Travis County homeowner falling behind isn't an outlier. The county's own numbers say the same story is playing out here, at a bigger scale than most of the state.

Why More Travis County Homeowners Are Falling Behind in Texas

Austin-area home prices surged 40% to 60% between 2020 and 2022, then corrected 10% to 20% in 2023 and 2024 (Texas Signals). Owners who bought near the peak are sitting on thinner equity than they expected, and their tax bill didn't correct along with it: Travis County property tax rates average 1.8% to 2.2% of assessed value, and combined with 2022 peak-era assessments, that puts many owners at $8,000 to $15,000 a year in property taxes alone.

Insurance hasn't helped the math. Premiums are up 20% to 35% across the Austin metro, and paired with mortgage rates still running 6% to 7%, the monthly carrying-cost increase lands between $300 and $600 for many homeowners, on top of whatever they were already paying (Texas Signals). That gap compounds the same way an unpaid credit card balance does: skip a payment, and next month's gap is bigger, not smaller.

Once a Texas homeowner falls behind, the clock isn't generous either. A missed payment typically opens a pre-foreclosure window of 60 to 120 days before the county moves the process further (Texas Signals). Foreclosure Data Hub's own Travis County tracker, refreshed daily, showed 1,024 active foreclosure listings as of its early-August 2026 snapshot, with 205 of those still carrying a scheduled sale date.

What Texas Sellers Should Do Now

Knowing your options helps you weigh how much higher your carrying costs could climb. With Cash Flow Deals, you choose between the Fast Cash Offer, where we buy your house as-is and close, and the Premium Cash Offer, where a pre-approved FHA or conventional buyer we already have, ready to go, pays more and buys directly from you. Compare what you would receive after costs, including any 5% to 6% commission an alternative sale might involve.

Cash Flow Deals reviews your Travis County property and responds with written offers within 24 hours, whether or not a pre-foreclosure notice has been filed yet. You review the numbered terms with no obligation to sign. If you accept, closing can happen in 45 days or less, on a date you help pick.

When you review your offers from Cash Flow Deals, the number is agreed before any work starts, and it changes only if you agree. The one exception: if something structural surfaces that was not visible or disclosed before we signed — foundation issues, hidden moisture, old wiring, cast-iron drain failure — we re-cost it and bring the number back to you. You decide. You can walk away. We disclose what we know at offer time so this almost never happens. That could include foundation issues, hidden moisture, old wiring or cast-iron drain failure. We disclose what we know at offer time.

We cover repair costs, and we figure out a way, so nothing comes out of your pocket. With the Premium Cash Offer, only what your buyer's lender requires gets fixed; those repair costs are settled from the sale proceeds, from our share. With the Fast Cash Offer, we buy as-is, with no repairs for you to make. If your Premium buyer's loan falls through, that is our problem, not yours, and you can still take the Fast Cash Offer at its own number. You choose between the Premium Cash Offer and the Fast Cash Offer; switching offers means choosing the cash offer's own terms.

Your written terms explain the closing conditions for a close in 45 days or less, on a date you help pick. Travis County's 1,850 pre-foreclosures are a real number, and $300 to $600 a month in rising carrying costs is a real number too. Another sale route may still net you more after commission and closing costs, if your timeline allows. If the math is working against you every month you wait, compare both offers from Cash Flow Deals before the gap gets any wider.