Charlton County, GA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Charlton County, Georgia? DLRadar grades every Charlton County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 40/100. Here is the 2026 Charlton County breakdown.
- Charlton County's most distressed ZIP is 31553 at 40/100.
- 4 ZIP codes tracked in Charlton County, averaging 25/100 distress.
- Charlton County reads peak — home values up 2.5% year over year.
- Vacancy runs 18.7% across Charlton County's tracked ZIPs, with a 20.3% poverty rate.
- The typical Charlton County home is worth about $117,400 against a ~$49,346 median income.
- Lending headwind in Charlton County sits at 0/100 — a forward read on distressed supply.
Figures come from DLRadar's public-record distress index and refresh every month. Free to quote with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 31553 | 40/100 |
| 2 | 31631 | 22/100 |
| 3 | 31537 | 19/100 |
| 4 | 31562 | 18/100 |
Most distressed ZIP codes in Charlton County (composite distress 0-100, 2026)
What is driving Charlton County distress
The Charlton County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 25/100 ZIP average. No proprietary or modelled inputs enter the score.
Charlton County market phase and pricing
Charlton County currently sits in peak after a 2.5% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
See the distressed properties behind the data in Charlton County
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Questions about this county
Which ZIP code leads Charlton County on distress?
ZIP 31553 leads Charlton County at 40/100, recomputed monthly from public records.
Which phase does Charlton County sit in right now?
Phase for Charlton County: peak, tracking a 2.5% gain year over year, read off the FHFA index.
Where does the Charlton County data come from?
The inputs are all public: FHFA for the peak path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 4 ZIP codes in Charlton County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Charlton County ZIP codes?
A county average hides the spread. Across the Charlton County ZIPs DLRadar ranks, scores run from 40/100 in 31553 down to 18/100 in 31562, against a Charlton County average of 25/100. Because the gap runs to 22 points, Charlton County rewards ZIP-level precision.
What do Charlton County home values and vacancy say about distressed supply?
The typical Charlton County home carries about $117,400 of value against a median household income near $49,346. Vacancy across Charlton County's tracked ZIPs runs 18.7% and the poverty rate is 20.3%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Charlton County's foreclosure and tax-lien filings and its 0/100 lending headwind.
Related
A deterministic scoring of public filings. Nothing on this page constitutes investment, legal or financial advice. Monthly refresh from the live index.