Charlotte County, VA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Charlotte County, VA distress report, 2026: 14 ZIPs scored in Charlotte, VA, Charlotte, VA average 17/100; the top Charlotte, VA ZIP is 23963 at 19/100; Charlotte, VA market phase expansion, Charlotte, VA prices +5.5% year over year.
- Charlotte, VA ranks #196 nationally (opportunity index); Charlotte, VA #7 in Virginia; Charlotte, VA index 35.9.
- Charlotte, VA: no CFPB county sample; Charlotte, VA non-metro area reading 1.2%.
- Charlotte, VA ZIP phases: 10 expansion, 4 peak.
- Charlotte, VA residential listings tracked: 1 across 8 ZIPs; Charlotte, VA candidate listings 1.
- Charlotte, VA lenders on watch: 1; largest Charlotte, VA footprint Bank Of Charlotte County (4 branches).
- Charlotte, VA most distressed ZIP: 23963 at 19/100.
Charlotte, VA figures: DLRadar distress index; Charlotte, VA inputs: CFPB, FHFA, HUD, FDIC; Charlotte, VA rebuilt as sources refresh.
| Rank | Charlotte, VA ZIP | Score |
|---|---|---|
| 1 | 23963 | 19/100 |
| 2 | 24528 | 19/100 |
| 3 | 23923 | 18/100 |
| 4 | 23959 | 18/100 |
| 5 | 23967 | 18/100 |
| 6 | 23976 | 18/100 |
| 7 | 23962 | 17/100 |
| 8 | 23964 | 17/100 |
| 9 | 23934 | 16/100 |
| 10 | 23937 | 16/100 |
| 11 | 23958 | 16/100 |
| 12 | 24522 | 16/100 |
Most distressed Charlotte, VA ZIPs (0-100, 2026)
Mortgage delinquency around Charlotte, VA
No CFPB county sample covers Charlotte, VA; the non-metro area reading for Charlotte, VA: 1.2% ninety-plus; Charlotte, VA area thirty-to-eighty-nine 3.0% (December 2025, Charlotte, VA); Virginia overall 0.8%.
Opportunity index: Charlotte, VA
Charlotte, VA index 35.9, Charlotte, VA phase overheated; Charlotte, VA primary driver vacancy, Charlotte, VA second driver construction. Charlotte, VA components: property stress 38.4, foreclosure pressure 43.0, listing discounts 13.6, bank stress 46.3, insurance 0.0; Charlotte, VA pulse 43.9; Charlotte, VA capital opportunity 23.9.
ZIP market phases inside Charlotte, VA
14 Charlotte, VA ZIPs carry a price-cycle phase; Charlotte, VA ZIPs by phase (Charlotte, VA), deepest drawdown first: expansion, +5.5% YoY (Charlotte, VA): 23923, 23924, 23934, 23937, Charlotte, VA 23947, 23959, 23962, 23964, Charlotte, VA 23967, 23976; peak, +4.7% YoY (Charlotte, VA): 23958; peak, +5.0% YoY (Charlotte, VA): 23963; peak, +3.8% YoY (Charlotte, VA): 24522; peak, +4.5% YoY (Charlotte, VA): 24528.
Residential listings by Charlotte, VA ZIP
Charlotte, VA ZIPs with the most tracked Charlotte, VA residential listings: 23923 1 listings, 1 candidates, bank pressure 56; 23937 0 listings, 0 candidates, bank pressure 51; 23959 0 listings, 0 candidates, bank pressure 47; 23962 0 listings, 0 candidates, bank pressure 53 (Charlotte, VA); 23963 0 listings, 0 candidates, bank pressure 60; 23964 0 listings, 0 candidates, bank pressure 51; 23967 0 listings, 0 candidates, bank pressure 47; 23976 0 listings, 0 candidates, bank pressure 47. Charlotte, VA totals: 1 listings; Charlotte, VA candidates 1; active ZIPs 0.
Lenders with branches in Charlotte, VA
Charlotte, VA lenders by branch count: Bank Of Charlotte County (Charlotte, VA): stress 31, 4 branches low in Charlotte, VA.
Vacancy and permits, Charlotte, VA
1,269 of 5,973 Charlotte, VA housing units are vacant; Charlotte, VA permits, twelve months: 0 multifamily units in Charlotte, VA, 36 one-to-four unit units.
Work Charlotte, VA at the parcel level
Every Charlotte, VA parcel carries owner and address; every Charlotte, VA parcel carries APN; Charlotte, VA distress scores sit on the Charlotte, VA live board.
Charlotte, VA figures refresh with each source.
Charlotte, VA questions
Most distressed ZIP code in Charlotte County, VA?
ZIP 23963 leads Charlotte, VA at 19/100; next in Charlotte, VA: 24528 at 19/100; the Charlotte, VA average is 17/100.
Where does Charlotte County, VA rank for investment opportunity?
Charlotte, VA is #196 among all ranked counties, #7 in Virginia; the Charlotte, VA driver is vacancy; Charlotte, VA moved down 133 places.
How many mortgages are delinquent in Charlotte County, VA?
Charlotte, VA takes the non-metro area reading of 1.2% for December 2025; no CFPB county sample covers Charlotte, VA.
Which banks lend in Charlotte County, VA?
1 watched lenders hold Charlotte, VA branches; the largest Charlotte, VA footprints are Bank Of Charlotte County (4).
More on Charlotte, VA
Charlotte County, VA distress report: public-record figures for Charlotte, VA; not legal advice for Charlotte, VA; not tax or investment advice; verify every Charlotte, VA record before acting.