Charlottesville County, VA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Charlottesville County, Virginia? DLRadar grades every Charlottesville County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 28/100. Here is the 2026 Charlottesville County breakdown.
- Charlottesville County's most distressed ZIP is 22901 at 28/100.
- 5 ZIP codes tracked in Charlottesville County, averaging 26/100 distress.
- Charlottesville County reads peak — home values up 3.6% year over year.
- Vacancy runs 5.4% across Charlottesville County's tracked ZIPs, with a 14.5% poverty rate.
- The typical Charlottesville County home is worth about $488,033 against a ~$89,759 median income.
- Lending headwind in Charlottesville County sits at 55/100 — a forward read on distressed supply.
Source data is DLRadar's monthly public-record index. Citation welcome, with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 22901 | 28/100 |
| 2 | 22902 | 28/100 |
| 3 | 22903 | 28/100 |
| 4 | 22904 | 28/100 |
| 5 | 22908 | 18/100 |
Most distressed ZIP codes in Charlottesville County (composite distress 0-100, 2026)
What is driving Charlottesville County distress
Charlottesville County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 26/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Charlottesville County market phase and pricing
Phase for Charlottesville County: peak (+3.6% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Charlottesville County
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Questions about this county
Which part of Charlottesville County, VA scores highest for distress?
ZIP 22901 leads Charlottesville County at 28/100, recomputed monthly from public records.
Where is Charlottesville County in the housing cycle?
Charlottesville County reads peak, with home prices up 3.6% year over year. Phase comes from FHFA House Price Index trajectory.
Where does the Charlottesville County data come from?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 5 Charlottesville County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Charlottesville County ZIP codes?
One county number flattens a wide range. Across the Charlottesville County ZIPs DLRadar ranks, scores run from 28/100 in 22901 down to 18/100 in 22908, against a Charlottesville County average of 26/100. Those 10 points separate the ZIPs worth working in Charlottesville County from the rest.
What do Charlottesville County home values and vacancy say about distressed supply?
The typical Charlottesville County home carries about $488,033 of value against a median household income near $89,759. Vacancy across Charlottesville County's tracked ZIPs runs 5.4% and the poverty rate is 14.5%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Charlottesville County's foreclosure and tax-lien record and its 55/100 lending headwind.
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Produced by fixed formulas over public records — research, not investment, legal or financial advice. The underlying index updates monthly.