Baldwin County, GA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Baldwin County, GA distress report, 2026: 7 ZIPs scored in Baldwin, GA, Baldwin, GA average 16/100; the top Baldwin, GA ZIP is 31082 at 19/100; Baldwin, GA market phase peak, Baldwin, GA prices +1.2% year over year.
- Baldwin, GA ranks #1,017 nationally (opportunity index); Baldwin, GA #71 in Georgia; Baldwin, GA index 31.1.
- Baldwin, GA: no CFPB county sample; Baldwin, GA non-metro area reading 1.3%.
- Baldwin, GA ZIP phases: 7 peak.
- Baldwin, GA residential listings tracked: 20 across 3 ZIPs; Baldwin, GA candidate listings 1.
- Baldwin, GA HUD assisted properties: 6 with 345 units.
- Baldwin, GA lenders on watch: 4; largest Baldwin, GA footprint Exchange Bank (2 branches).
- Baldwin, GA most distressed ZIP: 31082 at 19/100.
Baldwin, GA figures: DLRadar distress index; Baldwin, GA inputs: CFPB, FHFA, HUD, FDIC; Baldwin, GA rebuilt as sources refresh.
| Rank | Baldwin, GA ZIP | Score |
|---|---|---|
| 1 | 31082 | 19/100 |
| 2 | 31087 | 19/100 |
| 3 | 31034 | 17/100 |
| 4 | 31062 | 17/100 |
| 5 | 31061 | 16/100 |
| 6 | 31033 | 14/100 |
| 7 | 31031 | 11/100 |
Most distressed Baldwin, GA ZIPs (0-100, 2026)
Mortgage delinquency around Baldwin, GA
No CFPB county sample covers Baldwin, GA; the non-metro area reading for Baldwin, GA: 1.3% ninety-plus; Baldwin, GA area thirty-to-eighty-nine 3.0% (December 2025, Baldwin, GA); Georgia overall 1.3%.
Opportunity index: Baldwin, GA
Baldwin, GA index 31.1, Baldwin, GA phase watchlist; Baldwin, GA primary driver vacancy, Baldwin, GA second driver bank institutional. Baldwin, GA components: property stress 25.0, foreclosure pressure 25.8, listing discounts 33.6, bank stress 55.7, insurance 0.0; Baldwin, GA pulse 33.6; Baldwin, GA capital opportunity 27.3; Baldwin, GA seven-day change +0.4%.
ZIP market phases inside Baldwin, GA
7 Baldwin, GA ZIPs carry a price-cycle phase; Baldwin, GA ZIPs by phase (Baldwin, GA), deepest drawdown first: peak, +1.2% YoY, 0.0% off peak (Baldwin, GA): 31034, 31062; peak, +1.5% YoY, 0.0% off peak (Baldwin, GA): 31061; peak, +2.0% YoY, 0.0% off peak (Baldwin, GA): 31031; peak, +1.0% YoY, 0.0% off peak (Baldwin, GA): 31033; peak, +2.4% YoY, 0.0% off peak (Baldwin, GA): 31082, 31087.
Residential listings by Baldwin, GA ZIP
Baldwin, GA ZIPs with the most tracked Baldwin, GA residential listings: 31061 20 listings, 1 candidates, bank pressure 61; 31034 0 listings, 0 candidates, bank pressure 57; 31062 0 listings, 0 candidates, bank pressure 57. Baldwin, GA totals: 20 listings; Baldwin, GA candidates 1; active ZIPs 0.
HUD assisted housing in Baldwin, GA
6 assisted properties with 345 units sit in Baldwin, GA; largest Baldwin, GA properties: Wray Court (Rad) (Milledgeville) 149 units, 149 assisted; Riverbend Apartments (Milledgeville) 75 units, 75 assisted; Baldwin Park Apartments (Milledgeville) 56 units in Baldwin, GA; Dogwood Retirement Housing Inc (Milledgeville) 40 units, 40 assisted; Oconee Voa Housing (Milledgeville) 13 units, 12 assisted; River Shoals Of Baldwin (Milledgeville) 12 units, 12 assisted.
Lenders with branches in Baldwin, GA
Baldwin, GA lenders by branch count: Exchange Bank (Baldwin, GA): stress 91, 2 branches low in Baldwin, GA; Century Bank&Trust (Baldwin, GA): stress 49, 2 branches low in Baldwin, GA; Magnolia State Bank (Baldwin, GA): stress 32, 2 branches low in Baldwin, GA; Citizens Bank Of The South (Baldwin, GA): stress 51, 1 branch low in Baldwin, GA.
Vacancy and permits, Baldwin, GA
3,720 of 20,302 Baldwin, GA housing units are vacant; Baldwin, GA permits, twelve months: 16 multifamily units in Baldwin, GA, 183 one-to-four unit units.
Work Baldwin, GA at the parcel level
Every Baldwin, GA parcel carries owner and address; every Baldwin, GA parcel carries APN; Baldwin, GA distress scores sit on the Baldwin, GA live board.
Baldwin, GA figures refresh with each source.
Baldwin, GA questions
Most distressed ZIP code in Baldwin County, GA?
ZIP 31082 leads Baldwin, GA at 19/100; next in Baldwin, GA: 31087 at 19/100; the Baldwin, GA average is 16/100.
Where does Baldwin County, GA rank for investment opportunity?
Baldwin, GA is #1,017 among all ranked counties, #71 in Georgia; the Baldwin, GA driver is vacancy; Baldwin, GA moved up 524 places.
How many mortgages are delinquent in Baldwin County, GA?
Baldwin, GA takes the non-metro area reading of 1.3% for December 2025; no CFPB county sample covers Baldwin, GA.
Which banks lend in Baldwin County, GA?
4 watched lenders hold Baldwin, GA branches; the largest Baldwin, GA footprints are Exchange Bank (2), Century Bank&Trust (2), Magnolia State Bank (2).
More on Baldwin, GA
Baldwin County, GA distress report: public-record figures for Baldwin, GA; not legal advice for Baldwin, GA; not tax or investment advice; verify every Baldwin, GA record before acting.