Baker County, GA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Baker County, Georgia? DLRadar grades every Baker County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 21/100. Here is the 2026 Baker County breakdown.
- Baker County's most distressed ZIP is 31721 at 21/100.
- 6 ZIP codes tracked in Baker County, averaging 15/100 distress.
- Baker County reads peak — home values up 2.5% year over year.
- Vacancy runs 20.4% across Baker County's tracked ZIPs, with a 19.7% poverty rate.
- The typical Baker County home is worth about $132,600 against a ~$69,300 median income.
- Lending headwind in Baker County sits at 22/100 — a forward read on distressed supply.
All numbers: DLRadar's monthly public-record distress index. Reuse is welcome with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 31721 | 21/100 |
| 2 | 39813 | 16/100 |
| 3 | 39841 | 15/100 |
| 4 | 39862 | 15/100 |
| 5 | 39837 | 12/100 |
| 6 | 39870 | 8/100 |
Most distressed ZIP codes in Baker County (composite distress 0-100, 2026)
What is driving Baker County distress
Baker County's placement in the national index rests on public filings — a 15/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Baker County market phase and pricing
Baker County reads peak — home prices rose 2.5% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Baker County
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Common questions
Where is distress highest inside Baker County, GA?
ZIP 31721 leads Baker County at 21/100, recomputed monthly from public records.
Where is Baker County in the housing cycle?
Baker County currently sits in peak, with values up 2.5% year on year, based on FHFA price-index trajectory.
What is this Baker County analysis built from?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 6 Baker County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Baker County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Baker County ZIPs DLRadar ranks, scores run from 21/100 in 31721 down to 8/100 in 39870, against a Baker County average of 15/100. With 13 points between best and worst, county-level targeting in Baker County wastes effort.
What do Baker County home values and vacancy say about distressed supply?
The typical Baker County home carries about $132,600 of value against a median household income near $69,300. Vacancy across Baker County's tracked ZIPs runs 20.4% and the poverty rate is 19.7%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Baker County's foreclosure and tax-lien filings and its 22/100 lending headwind.
Related
These scores come from public filings run through fixed formulas. Nothing here is investment, legal or financial advice; the index refreshes monthly.