Albemarle County, VA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Albemarle County, VA distress report, 2026: 24 ZIPs scored in Albemarle, VA, Albemarle, VA average 24/100; the top Albemarle, VA ZIP is 22911 at 28/100; Albemarle, VA market phase peak, Albemarle, VA prices +3.6% year over year.
- Albemarle, VA ranks #2,933 nationally (opportunity index); Albemarle, VA #102 in Virginia; Albemarle, VA index 23.6.
- Albemarle, VA: no CFPB county sample; Albemarle, VA metro area reading 0.4%.
- Albemarle, VA ZIP phases: 23 peak, 1 neutral.
- Albemarle, VA residential listings tracked: 13 across 15 ZIPs; Albemarle, VA candidate listings 5.
- Albemarle, VA HUD assisted properties: 14 with 2,629 units.
- Albemarle, VA lenders on watch: 8; largest Albemarle, VA footprint Bank Of The James (2 branches).
- Albemarle, VA most distressed ZIP: 22911 at 28/100.
Albemarle, VA figures: DLRadar distress index; Albemarle, VA inputs: CFPB, FHFA, HUD, FDIC; Albemarle, VA rebuilt as sources refresh.
| Rank | Albemarle, VA ZIP | Score |
|---|---|---|
| 1 | 22911 | 28/100 |
| 2 | 22931 | 28/100 |
| 3 | 22932 | 28/100 |
| 4 | 22936 | 28/100 |
| 5 | 22937 | 28/100 |
| 6 | 22943 | 28/100 |
| 7 | 22946 | 28/100 |
| 8 | 22959 | 28/100 |
| 9 | 22901 | 27/100 |
| 10 | 22902 | 27/100 |
| 11 | 22903 | 27/100 |
| 12 | 22904 | 27/100 |
Most distressed Albemarle, VA ZIPs (0-100, 2026)
Mortgage delinquency around Albemarle, VA
No CFPB county sample covers Albemarle, VA; the metro area reading for Albemarle, VA (Charlottesville, VA): 0.4% ninety-plus; Albemarle, VA area thirty-to-eighty-nine 1.2% (December 2025, Albemarle, VA); Virginia overall 0.8%.
Opportunity index: Albemarle, VA
Albemarle, VA index 23.6, Albemarle, VA phase weak; Albemarle, VA primary driver construction, Albemarle, VA second driver bank institutional. Albemarle, VA components: property stress 15.5, foreclosure pressure 14.5, listing discounts 14.9, bank stress 50.4, insurance 0.0; Albemarle, VA pulse 26.6; Albemarle, VA capital opportunity 19.0; Albemarle, VA seven-day change -0.1%.
ZIP market phases inside Albemarle, VA
24 Albemarle, VA ZIPs carry a price-cycle phase; Albemarle, VA ZIPs by phase (Albemarle, VA), deepest drawdown first: peak, +3.6% YoY (Albemarle, VA): 22901, 22902, 22903, 22904, Albemarle, VA 22911, 22931, 22932, 22935, Albemarle, VA 22936, 22937, 22938, 22940, Albemarle, VA 22943; peak, +3.7% YoY (Albemarle, VA): 22920; peak, +3.5% YoY (Albemarle, VA): 22923; peak, +4.5% YoY (Albemarle, VA): 22942.
Residential listings by Albemarle, VA ZIP
Albemarle, VA ZIPs with the most tracked Albemarle, VA residential listings: 22901 3 listings, 1 candidates, bank pressure 58; 22940 3 listings, 3 candidates, bank pressure 57; 22903 2 listings, 0 candidates, bank pressure 58; 22911 2 listings, 1 candidates, bank pressure 59 (Albemarle, VA); 22923 1 listings, 0 candidates, bank pressure 58; 22932 1 listings, 0 candidates, bank pressure 59; 22947 1 listings, 0 candidates, bank pressure 59; 22902 0 listings, 0 candidates, bank pressure 58. Albemarle, VA totals: 13 listings; Albemarle, VA candidates 5; active ZIPs 7.
HUD assisted housing in Albemarle, VA
14 assisted properties with 2,629 units sit in Albemarle, VA; largest Albemarle, VA properties: Brookhill Apts. (Charlottesville) 316 units; North Woods At The Four Seasons (Charlottesville) 310 units; The Reserve At Belvedere (Charlottesville) 294 units in Albemarle, VA; Stone Creek Village Apartments (Charlottesville) 264 units; The Presidio (Charlottesville) 250 units; Arden Place Apartments (Charlottesville) 212 units.
Lenders with branches in Albemarle, VA
Albemarle, VA lenders by branch count: Bank Of The James (Albemarle, VA): stress 78, 2 branches moderate in Albemarle, VA; Atlantic Union Bank (Albemarle, VA): stress 40, 2 branches moderate in Albemarle, VA; Carter Bank&Trust (Albemarle, VA): stress 35, 2 branches low in Albemarle, VA; Blue Ridge Bank Na (Albemarle, VA): stress 87, 1 branch moderate in Albemarle, VA; Old Dominion National Bank (Albemarle, VA): stress 72, 1 branch low in Albemarle, VA; First National Bank (Albemarle, VA): stress 62, 1 branch moderate in Albemarle, VA; Citizens&Farmers Bank (Albemarle, VA): stress 59, 1 branch moderate in Albemarle, VA; Virginia National Bank (Albemarle, VA): stress 47, 1 branch moderate in Albemarle, VA.
Vacancy and permits, Albemarle, VA
3,247 of 49,159 Albemarle, VA housing units are vacant; Albemarle, VA permits, twelve months: 208 multifamily units in Albemarle, VA, 536 one-to-four unit units.
Work Albemarle, VA at the parcel level
Every Albemarle, VA parcel carries owner and address; every Albemarle, VA parcel carries APN; Albemarle, VA distress scores sit on the Albemarle, VA live board.
Albemarle, VA figures refresh with each source.
Albemarle, VA questions
Most distressed ZIP code in Albemarle County, VA?
ZIP 22911 leads Albemarle, VA at 28/100; next in Albemarle, VA: 22931 at 28/100; the Albemarle, VA average is 24/100.
Where does Albemarle County, VA rank for investment opportunity?
Albemarle, VA is #2,933 among all ranked counties, #102 in Virginia; the Albemarle, VA driver is construction; Albemarle, VA moved down 77 places.
How many mortgages are delinquent in Albemarle County, VA?
Albemarle, VA takes the metro area reading of 0.4% for December 2025; no CFPB county sample covers Albemarle, VA.
Which banks lend in Albemarle County, VA?
8 watched lenders hold Albemarle, VA branches; the largest Albemarle, VA footprints are Bank Of The James (2), Atlantic Union Bank (2), Carter Bank&Trust (2).
More on Albemarle, VA
Albemarle County, VA distress report: public-record figures for Albemarle, VA; not legal advice for Albemarle, VA; not tax or investment advice; verify every Albemarle, VA record before acting.