Charlottesville County, VA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Charlottesville County, VA distress report, 2026: 5 ZIPs scored in Charlottesville, VA, Charlottesville, VA average 25/100; the top Charlottesville, VA ZIP is 22901 at 27/100; Charlottesville, VA market phase peak, Charlottesville, VA prices +3.6% year over year.
- Charlottesville, VA ranks #3,035 nationally (opportunity index); Charlottesville, VA #112 in Virginia; Charlottesville, VA index 22.8.
- Charlottesville, VA: no CFPB county sample; Charlottesville, VA metro area reading 0.4%.
- Charlottesville, VA ZIP phases: 5 peak.
- Charlottesville, VA residential listings tracked: 0 across 1 ZIPs; Charlottesville, VA candidate listings 0.
- Charlottesville, VA HUD assisted properties: 13 with 882 units.
- Charlottesville, VA lenders on watch: 7; largest Charlottesville, VA footprint Virginia National Bank (3 branches).
- Charlottesville, VA most distressed ZIP: 22901 at 27/100.
Charlottesville, VA figures: DLRadar distress index; Charlottesville, VA inputs: CFPB, FHFA, HUD, FDIC; Charlottesville, VA rebuilt as sources refresh.
| Rank | Charlottesville, VA ZIP | Score |
|---|---|---|
| 1 | 22901 | 27/100 |
| 2 | 22902 | 27/100 |
| 3 | 22903 | 27/100 |
| 4 | 22904 | 27/100 |
| 5 | 22908 | 17/100 |
Most distressed Charlottesville, VA ZIPs (0-100, 2026)
Mortgage delinquency around Charlottesville, VA
No CFPB county sample covers Charlottesville, VA; the metro area reading for Charlottesville, VA (Charlottesville, VA): 0.4% ninety-plus; Charlottesville, VA area thirty-to-eighty-nine 1.2% (December 2025, Charlottesville, VA); Virginia overall 0.8%.
Opportunity index: Charlottesville, VA
Charlottesville, VA index 22.8, Charlottesville, VA phase weak; Charlottesville, VA primary driver bank institutional, Charlottesville, VA second driver construction. Charlottesville, VA components: property stress 15.3, foreclosure pressure 14.1, listing discounts 11.1, bank stress 56.2, insurance 0.0; Charlottesville, VA pulse 27.1; Charlottesville, VA capital opportunity 16.3; Charlottesville, VA seven-day change +0.4%.
ZIP market phases inside Charlottesville, VA
5 Charlottesville, VA ZIPs carry a price-cycle phase; Charlottesville, VA ZIPs by phase (Charlottesville, VA), deepest drawdown first: peak, +3.6% YoY (Charlottesville, VA): 22901, 22902, 22903, 22904, Charlottesville, VA 22908.
Residential listings by Charlottesville, VA ZIP
Charlottesville, VA ZIPs with the most tracked Charlottesville, VA residential listings: 22908 0 listings, 0 candidates, bank pressure 57. Charlottesville, VA totals: 0 listings; Charlottesville, VA candidates 0; active ZIPs 0.
HUD assisted housing in Charlottesville, VA
13 assisted properties with 882 units sit in Charlottesville, VA; largest Charlottesville, VA properties: City Walk Apartments (Charlottesville) 301 units; Johnson Village Apartments (Charlottesville) 242 units; Ash Tree Apts. (Charlottesville) 102 units in Charlottesville, VA; Cambridge Square Apts (Charlottesville) 93 units; Preston Square Apts (Charlottesville) 63 units; The Crossroads Apartments (Charlottesville) 34 units.
Lenders with branches in Charlottesville, VA
Charlottesville, VA lenders by branch count: Virginia National Bank (Charlottesville, VA): stress 47, 3 branches moderate in Charlottesville, VA; Bank Of The James (Charlottesville, VA): stress 78, 1 branch moderate in Charlottesville, VA; Old Dominion National Bank (Charlottesville, VA): stress 72, 1 branch moderate in Charlottesville, VA; Citizens&Farmers Bank (Charlottesville, VA): stress 59, 1 branch moderate in Charlottesville, VA; Atlantic Union Bank (Charlottesville, VA): stress 40, 1 branch moderate in Charlottesville, VA; United Bank (Charlottesville, VA): stress 36, 1 branch moderate in Charlottesville, VA; Carter Bank&Trust (Charlottesville, VA): stress 35, 1 branch low in Charlottesville, VA.
Vacancy and permits, Charlottesville, VA
1,795 of 21,610 Charlottesville, VA housing units are vacant; Charlottesville, VA permits, twelve months: 97 multifamily units in Charlottesville, VA, 23 one-to-four unit units.
Work Charlottesville, VA at the parcel level
Every Charlottesville, VA parcel carries owner and address; every Charlottesville, VA parcel carries APN; Charlottesville, VA distress scores sit on the Charlottesville, VA live board.
Charlottesville, VA figures refresh with each source.
Charlottesville, VA questions
Most distressed ZIP code in Charlottesville County, VA?
ZIP 22901 leads Charlottesville, VA at 27/100; next in Charlottesville, VA: 22902 at 27/100; the Charlottesville, VA average is 25/100.
Where does Charlottesville County, VA rank for investment opportunity?
Charlottesville, VA is #3,035 among all ranked counties, #112 in Virginia; the Charlottesville, VA driver is bank institutional; Charlottesville, VA moved down 229 places.
How many mortgages are delinquent in Charlottesville County, VA?
Charlottesville, VA takes the metro area reading of 0.4% for December 2025; no CFPB county sample covers Charlottesville, VA.
Which banks lend in Charlottesville County, VA?
7 watched lenders hold Charlottesville, VA branches; the largest Charlottesville, VA footprints are Virginia National Bank (3), Bank Of The James (1), Old Dominion National Bank (1).
More on Charlottesville, VA
Charlottesville County, VA distress report: public-record figures for Charlottesville, VA; not legal advice for Charlottesville, VA; not tax or investment advice; verify every Charlottesville, VA record before acting.