Caroline County, VA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Caroline County, VA distress report, 2026: 11 ZIPs scored in Caroline, VA, Caroline, VA average 12/100; the top Caroline, VA ZIP is 23015 at 21/100; Caroline, VA market phase expansion, Caroline, VA prices +5.5% year over year.
- Caroline, VA ranks #2,568 nationally (opportunity index); Caroline, VA #78 in Virginia; Caroline, VA index 25.6.
- Caroline, VA: no CFPB county sample; Caroline, VA non-metro area reading 1.2%.
- Caroline, VA ZIP phases: 7 expansion, 4 peak.
- Caroline, VA residential listings tracked: 11 across 6 ZIPs; Caroline, VA candidate listings 2.
- Caroline, VA HUD assisted properties: 1 with 4 units.
- Caroline, VA lenders on watch: 1; largest Caroline, VA footprint Atlantic Union Bank (2 branches).
- Caroline, VA most distressed ZIP: 23015 at 21/100.
Caroline, VA figures: DLRadar distress index; Caroline, VA inputs: CFPB, FHFA, HUD, FDIC; Caroline, VA rebuilt as sources refresh.
| Rank | Caroline, VA ZIP | Score |
|---|---|---|
| 1 | 23015 | 21/100 |
| 2 | 23047 | 21/100 |
| 3 | 22408 | 18/100 |
| 4 | 23069 | 16/100 |
| 5 | 22580 | 10/100 |
| 6 | 22546 | 9/100 |
| 7 | 22427 | 8/100 |
| 8 | 22438 | 8/100 |
| 9 | 22514 | 8/100 |
| 10 | 22535 | 8/100 |
| 11 | 22538 | 8/100 |
Most distressed Caroline, VA ZIPs (0-100, 2026)
Mortgage delinquency around Caroline, VA
No CFPB county sample covers Caroline, VA; the non-metro area reading for Caroline, VA: 1.2% ninety-plus; Caroline, VA area thirty-to-eighty-nine 3.0% (December 2025, Caroline, VA); Virginia overall 0.8%.
Opportunity index: Caroline, VA
Caroline, VA index 25.6, Caroline, VA phase weak; Caroline, VA primary driver bank institutional, Caroline, VA second driver construction. Caroline, VA components: property stress 9.5, foreclosure pressure 8.4, listing discounts 32.2, bank stress 50.3, insurance 0.0; Caroline, VA pulse 26.1; Caroline, VA capital opportunity 24.8; Caroline, VA seven-day change +0.1%.
ZIP market phases inside Caroline, VA
11 Caroline, VA ZIPs carry a price-cycle phase; Caroline, VA ZIPs by phase (Caroline, VA), deepest drawdown first: peak, +3.7% YoY (Caroline, VA): 22408, 23069; expansion, +5.5% YoY (Caroline, VA): 22427, 22438, 22535, 22538; expansion, +5.4% YoY (Caroline, VA): 22514; expansion, +5.3% YoY (Caroline, VA): 22546, 22580; peak, +3.4% YoY (Caroline, VA): 23015, 23047.
Residential listings by Caroline, VA ZIP
Caroline, VA ZIPs with the most tracked Caroline, VA residential listings: 22546 8 listings, 2 candidates, bank pressure 56; 22427 2 listings, 0 candidates, bank pressure 40; 22580 1 listings, 0 candidates, bank pressure 57; 22514 0 listings, 0 candidates, bank pressure 51 (Caroline, VA); 22535 0 listings, 0 candidates, bank pressure 40; 22538 0 listings, 0 candidates, bank pressure 40. Caroline, VA totals: 11 listings; Caroline, VA candidates 2; active ZIPs 3.
HUD assisted housing in Caroline, VA
1 assisted properties with 4 units sit in Caroline, VA; largest Caroline, VA properties: Devon Drive Group Home (Ruther Glen) 4 units, 4 assisted.
Lenders with branches in Caroline, VA
Caroline, VA lenders by branch count: Atlantic Union Bank (Caroline, VA): stress 40, 2 branches low in Caroline, VA.
Vacancy and permits, Caroline, VA
932 of 12,920 Caroline, VA housing units are vacant; Caroline, VA permits, twelve months: 0 multifamily units in Caroline, VA, 257 one-to-four unit units.
Work Caroline, VA at the parcel level
Every Caroline, VA parcel carries owner and address; every Caroline, VA parcel carries APN; Caroline, VA distress scores sit on the Caroline, VA live board.
Caroline, VA figures refresh with each source.
Caroline, VA questions
Most distressed ZIP code in Caroline County, VA?
ZIP 23015 leads Caroline, VA at 21/100; next in Caroline, VA: 23047 at 21/100; the Caroline, VA average is 12/100.
Where does Caroline County, VA rank for investment opportunity?
Caroline, VA is #2,568 among all ranked counties, #78 in Virginia; the Caroline, VA driver is bank institutional; Caroline, VA moved up 383 places.
How many mortgages are delinquent in Caroline County, VA?
Caroline, VA takes the non-metro area reading of 1.2% for December 2025; no CFPB county sample covers Caroline, VA.
Which banks lend in Caroline County, VA?
1 watched lenders hold Caroline, VA branches; the largest Caroline, VA footprints are Atlantic Union Bank (2).
More on Caroline, VA
Caroline County, VA distress report: public-record figures for Caroline, VA; not legal advice for Caroline, VA; not tax or investment advice; verify every Caroline, VA record before acting.