Charles City County, VA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Charles City County, Virginia? DLRadar grades every Charles City County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 22/100. Here is the 2026 Charles City County breakdown.
- Charles City County's most distressed ZIP is 23231 at 22/100.
- 5 ZIP codes tracked in Charles City County, averaging 12/100 distress.
- Charles City County reads peak — home values up 3.1% year over year.
- Vacancy runs 8.9% across Charles City County's tracked ZIPs, with a 9.3% poverty rate.
- The typical Charles City County home is worth about $329,400 against a ~$91,254 median income.
- Lending headwind in Charles City County sits at 49/100 — a forward read on distressed supply.
Figures: DLRadar distress index, rebuilt monthly from public filings. Free to reuse with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 23231 | 22/100 |
| 2 | 23185 | 18/100 |
| 3 | 23140 | 12/100 |
| 4 | 23030 | 4/100 |
| 5 | 23147 | 2/100 |
Most distressed ZIP codes in Charles City County (composite distress 0-100, 2026)
What is driving Charles City County distress
The Charles City 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.
Charles City County market phase and pricing
DLRadar places Charles City County in peak; prices moved up 3.1% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Charles City County
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Frequently asked questions
What is the most distressed ZIP code in Charles City County, VA?
ZIP 23231 leads Charles City County at 22/100, recomputed monthly from public records.
Which phase does Charles City County sit in right now?
FHFA price-index movement places Charles City County in peak; prices are up 3.1% over twelve months.
Can the Charles City County figures be verified?
Every Charles City County figure traces to a public source — FHFA House Price Index for the peak trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 5 Charles City County ZIP codes that it runs on every other U.S. county, so Charles City County's numbers are directly comparable to any other market.
How much do distress scores vary between Charles City County ZIP codes?
Averaging the county conceals how uneven it is. Across the Charles City County ZIPs DLRadar ranks, scores run from 22/100 in 23231 down to 2/100 in 23147, against a Charles City County average of 12/100. That 20-point gap is why acquisition targeting in Charles City County works at ZIP level rather than county level.
What do Charles City County home values and vacancy say about distressed supply?
The typical Charles City County home carries about $329,400 of value against a median household income near $91,254. Vacancy across Charles City County's tracked ZIPs runs 8.9% and the poverty rate is 9.3%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Charles City County's foreclosure and tax-lien filings and its 49/100 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.