Bexar County Foreclosure Statistics 2025

Bexar County Foreclosure Market Overview

Bexar County continues to see foreclosure activity as the market adjusts to higher interest rates and economic pressures. This page provides current statistics to help investors understand the opportunity landscape.

Data updated monthly from Bexar County court records.

Current Monthly Filings

| Month | Notice of Default | Notice of Sale | Auctions | |-------|------------------|----------------|----------| | January 2025 | 342 | 287 | 198 | | December 2024 | 318 | 265 | 175 | | November 2024 | 295 | 248 | 162 | | October 2024 | 328 | 271 | 185 |

Trend: Foreclosure filings are up approximately 8% year-over-year as the effects of 2022-2023 rate increases work through the system.

Foreclosures by Zip Code

Top 10 zip codes for foreclosure activity (rolling 90 days):

| Rank | Zip Code | Neighborhood | Filings | |------|----------|--------------|---------| | 1 | 78245 | Far West Side | 47 | | 2 | 78253 | Helotes Area | 38 | | 3 | 78254 | Alamo Ranch | 35 | | 4 | 78223 | Southeast | 32 | | 5 | 78221 | South Side | 29 | | 6 | 78244 | Northeast | 27 | | 7 | 78250 | Westover Hills | 26 | | 8 | 78233 | Windcrest Area | 24 | | 9 | 78251 | SeaWorld Area | 23 | | 10 | 78228 | Medical Center | 21 |

Insight: Newer construction areas (78245, 78253, 78254) are seeing elevated foreclosure activity. Buyers who purchased at peak 2021-2022 prices with low down payments are most at risk.

Average Time from Default to Auction

| Stage | Average Days | |-------|-------------| | Default to Notice of Sale | 45 days | | Notice of Sale to Auction | 28 days | | Total Average | 73 days |

This is faster than the national average of 120+ days, creating urgency for both homeowners and investors.

Foreclosure Auction Results

What happens to properties at Bexar County foreclosure auctions:

| Outcome | Percentage | |---------|-----------| | Sold to third party | 22% | | Back to lender (REO) | 68% | | Postponed/Cancelled | 10% |

Opportunity: The majority of properties go back to the lender, meaning banks will need to dispose of REO inventory. Watch for discounted bank-owned properties after failed auctions.

Equity Analysis

Estimated equity in pre-foreclosure properties:

| Equity Range | % of Properties | |--------------|-----------------| | Negative (underwater) | 18% | | $0 - $25,000 | 24% | | $25,000 - $50,000 | 28% | | $50,000 - $100,000 | 19% | | $100,000+ | 11% |

Insight: Over 80% of pre-foreclosure properties have some equity, making them viable for wholesale or short sale opportunities.

Year-over-Year Comparison

| Metric | 2024 | 2023 | Change | |--------|------|------|--------| | Total Filings | 3,847 | 3,562 | +8% | | Auction Sales | 2,105 | 1,892 | +11% | | Average Days to Auction | 73 | 68 | +7% | | Properties with Equity | 82% | 79% | +3% |

Foreclosure activity is increasing but remains below pre-pandemic levels (4,200+ filings in 2019).

Market Implications for Investors

More Opportunity

Rising foreclosure numbers mean more motivated sellers. The increase is gradual, not a flood, so quality opportunities exist for those who move quickly.

Target Newer Areas

The western suburbs (78245, 78253, 78254) have elevated distress despite newer construction. These properties often have high ARV potential.

Watch REO Inventory

With 68% of auctions reverting to lenders, bank REO inventory is building. Relationships with asset managers could yield bulk buying opportunities.

Time Sensitivity

At 73 days average from default to auction, you have limited time to reach sellers. Same-day lead alerts are essential for staying ahead.

Methodology

This data is compiled from Bexar County District Clerk records and Bexar County Clerk filings. Equity estimates are based on tax assessed values and publicly recorded liens—actual equity may vary.

Last updated: January 2025