Caroline County, VA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Caroline County, Virginia? DLRadar grades every Caroline County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 22/100. Here is the 2026 Caroline County breakdown.
- Caroline County's most distressed ZIP is 23015 at 22/100.
- 11 ZIP codes tracked in Caroline County, averaging 12/100 distress.
- Caroline County reads expansion — home values up 5.5% year over year.
- Vacancy runs 7.9% across Caroline County's tracked ZIPs, with a 7.3% poverty rate.
- The typical Caroline County home is worth about $340,418 against a ~$100,292 median income.
- Lending headwind in Caroline County sits at 15/100 — a forward read on distressed supply.
Data: DLRadar public-record property-distress index, refreshed monthly. Free to cite with attribution to DLRadar (dlradar.com) — a link back is appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 23015 | 22/100 |
| 2 | 23047 | 22/100 |
| 3 | 22408 | 18/100 |
| 4 | 23069 | 16/100 |
| 5 | 22546 | 9/100 |
| 6 | 22580 | 9/100 |
| 7 | 22427 | 8/100 |
| 8 | 22438 | 8/100 |
| 9 | 22514 | 8/100 |
| 10 | 22535 | 8/100 |
| 11 | 22538 | 8/100 |
Most distressed ZIP codes in Caroline County (composite distress 0-100, 2026)
What is driving Caroline County distress
The Caroline County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 12/100 ZIP average. No proprietary or modelled inputs enter the score.
Caroline County market phase and pricing
Caroline County reads expansion — home prices rose 5.5% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Caroline County
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Frequently asked
Where is distress highest inside Caroline County, VA?
ZIP 23015 leads Caroline County at 22/100, recomputed monthly from public records.
Where is Caroline County in the housing cycle?
Caroline County is classified expansion with a 5.5% year-over-year increase, following the FHFA House Price Index.
Can the Caroline County figures be verified?
Caroline County draws on FHFA (expansion trajectory), CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS — every one a public source. The scoring model does not change between counties, so these 11 ZIPs are comparable to anywhere else.
How much do distress scores vary between Caroline County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Caroline County ZIPs DLRadar ranks, scores run from 22/100 in 23015 down to 8/100 in 22538, against a Caroline County average of 12/100. A spread of 14 points means Caroline County has to be worked ZIP by ZIP.
What do Caroline County home values and vacancy say about distressed supply?
The typical Caroline County home carries about $340,418 of value against a median household income near $100,292. Vacancy across Caroline County's tracked ZIPs runs 7.9% and the poverty rate is 7.3%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Caroline County's foreclosure and tax-lien filings and its 15/100 lending headwind.
Related
Scores here are computed from public records by fixed formulas. Nothing on this page is investment, legal or financial advice; the index refreshes monthly.