Charlton County, GA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Charlton County, GA distress report, 2026: 4 ZIPs scored in Charlton, GA, Charlton, GA average 24/100; the top Charlton, GA ZIP is 31553 at 39/100; Charlton, GA market phase peak, Charlton, GA prices +2.5% year over year.
- Charlton, GA ranks #2,615 nationally (opportunity index); Charlton, GA #157 in Georgia; Charlton, GA index 25.3.
- Charlton, GA: no CFPB county sample; Charlton, GA non-metro area reading 1.3%.
- Charlton, GA ZIP phases: 2 peak, 1 contraction, 1 expansion.
- Charlton, GA residential listings tracked: 5 across 2 ZIPs; Charlton, GA candidate listings 3.
- Charlton, GA lenders on watch: 2; largest Charlton, GA footprint Southeastern Bank (1 branch).
- Charlton, GA most distressed ZIP: 31553 at 39/100.
Charlton, GA figures: DLRadar distress index; Charlton, GA inputs: CFPB, FHFA, HUD, FDIC; Charlton, GA rebuilt as sources refresh.
| Rank | Charlton, GA ZIP | Score |
|---|---|---|
| 1 | 31553 | 39/100 |
| 2 | 31631 | 21/100 |
| 3 | 31537 | 19/100 |
| 4 | 31562 | 18/100 |
Most distressed Charlton, GA ZIPs (0-100, 2026)
Mortgage delinquency around Charlton, GA
No CFPB county sample covers Charlton, GA; the non-metro area reading for Charlton, GA: 1.3% ninety-plus; Charlton, GA area thirty-to-eighty-nine 3.0% (December 2025, Charlton, GA); Georgia overall 1.3%.
Opportunity index: Charlton, GA
Charlton, GA index 25.3, Charlton, GA phase weak; Charlton, GA primary driver vacancy, Charlton, GA second driver bank institutional. Charlton, GA components: property stress 25.3, foreclosure pressure 23.9, listing discounts 11.7, bank stress 38.1, insurance 0.3; Charlton, GA pulse 27.5; Charlton, GA capital opportunity 22.1; Charlton, GA seven-day change +0.7%.
ZIP market phases inside Charlton, GA
4 Charlton, GA ZIPs carry a price-cycle phase; Charlton, GA ZIPs by phase (Charlton, GA), deepest drawdown first: contraction, -4.3% YoY, 8.4% off peak (Charlton, GA): 31553; peak, +2.4% YoY, 0.0% off peak (Charlton, GA): 31537; expansion, +5.6% YoY, 0.0% off peak (Charlton, GA): 31631; peak, +2.5% YoY (Charlton, GA): 31562.
Residential listings by Charlton, GA ZIP
Charlton, GA ZIPs with the most tracked Charlton, GA residential listings: 31537 4 listings, 3 candidates, bank pressure 47; 31562 1 listings, 0 candidates, bank pressure 33. Charlton, GA totals: 5 listings; Charlton, GA candidates 3; active ZIPs 2.
Lenders with branches in Charlton, GA
Charlton, GA lenders by branch count: Southeastern Bank (Charlton, GA): stress 48, 1 branch low in Charlton, GA; Fnb South (Charlton, GA): stress 19, 1 branch low in Charlton, GA.
Vacancy and permits, Charlton, GA
540 of 4,755 Charlton, GA housing units are vacant; Charlton, GA permits, twelve months: 14 multifamily units in Charlton, GA, 38 one-to-four unit units.
Work Charlton, GA at the parcel level
Every Charlton, GA parcel carries owner and address; every Charlton, GA parcel carries APN; Charlton, GA distress scores sit on the Charlton, GA live board.
Charlton, GA figures refresh with each source.
Charlton, GA questions
Most distressed ZIP code in Charlton County, GA?
ZIP 31553 leads Charlton, GA at 39/100; next in Charlton, GA: 31631 at 21/100; the Charlton, GA average is 24/100.
Where does Charlton County, GA rank for investment opportunity?
Charlton, GA is #2,615 among all ranked counties, #157 in Georgia; the Charlton, GA driver is vacancy; Charlton, GA moved up 156 places.
How many mortgages are delinquent in Charlton County, GA?
Charlton, GA takes the non-metro area reading of 1.3% for December 2025; no CFPB county sample covers Charlton, GA.
Which banks lend in Charlton County, GA?
2 watched lenders hold Charlton, GA branches; the largest Charlton, GA footprints are Southeastern Bank (1), Fnb South (1).
More on Charlton, GA
Charlton County, GA distress report: public-record figures for Charlton, GA; not legal advice for Charlton, GA; not tax or investment advice; verify every Charlton, GA record before acting.