Chatham County, GA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Chatham County, GA distress report, 2026: 15 ZIPs scored in Chatham, GA, Chatham, GA average 37/100; the top Chatham, GA ZIP is 31322 at 37/100; Chatham, GA market phase peak, Chatham, GA prices +2.4% year over year.
- Chatham, GA ranks #762 nationally (opportunity index); Chatham, GA #48 in Georgia; Chatham, GA index 32.1.
- Chatham, GA ninety-day mortgage delinquency 1.2% in December 2025; Chatham, GA twelve-month change +0.7%.
- Chatham, GA ZIP phases: 15 peak.
- Chatham, GA residential listings tracked: 118 across 15 ZIPs; Chatham, GA candidate listings 20.
- Chatham, GA HUD assisted properties: 27 with 2,363 units.
- Chatham, GA lenders on watch: 6; largest Chatham, GA footprint Ameris Bank (5 branches).
- Chatham, GA most distressed ZIP: 31322 at 37/100.
Chatham, GA figures: DLRadar distress index; Chatham, GA inputs: CFPB, FHFA, HUD, FDIC; Chatham, GA rebuilt as sources refresh.
| Rank | Chatham, GA ZIP | Score |
|---|---|---|
| 1 | 31322 | 37/100 |
| 2 | 31328 | 37/100 |
| 3 | 31401 | 37/100 |
| 4 | 31404 | 37/100 |
| 5 | 31405 | 37/100 |
| 6 | 31406 | 37/100 |
| 7 | 31407 | 37/100 |
| 8 | 31408 | 37/100 |
| 9 | 31409 | 37/100 |
| 10 | 31410 | 37/100 |
| 11 | 31411 | 37/100 |
| 12 | 31415 | 37/100 |
Most distressed Chatham, GA ZIPs (0-100, 2026)
Mortgage delinquency in Chatham, GA
1.2% of Chatham, GA mortgages were ninety-plus days late (Chatham, GA, December 2025); Chatham, GA thirty-to-eighty-nine days late: 2.4%; Chatham, GA twelve-month change +0.7%; Chatham, GA peak since 2008: 4.7% (November 2009); Georgia overall 1.3%. Chatham, GA ninety-day series: Dec 24 0.5, Jan 25 0.7, Feb 25 1.0 (Chatham, GA), Mar 25 0.7, Apr 25 0.9, May 25 0.7 (Chatham, GA), Jun 25 0.8, Jul 25 1.2, Aug 25 1.1 (Chatham, GA), Sep 25 1.0, Oct 25 1.1, Nov 25 1.1 (Chatham, GA), Dec 25 1.2.
Opportunity index: Chatham, GA
Chatham, GA index 32.1, Chatham, GA phase watchlist; Chatham, GA primary driver construction, Chatham, GA second driver vacancy. Chatham, GA components: property stress 26.9, foreclosure pressure 27.0, listing discounts 30.0, bank stress 53.5, insurance 0.0; Chatham, GA pulse 35.7; Chatham, GA capital opportunity 26.8; Chatham, GA seven-day change +0.1%.
ZIP market phases inside Chatham, GA
15 Chatham, GA ZIPs carry a price-cycle phase; Chatham, GA ZIPs by phase (Chatham, GA), deepest drawdown first: peak, +2.4% YoY (Chatham, GA): 31302, 31322, 31328, 31401, Chatham, GA 31404, 31405, 31406, 31407, Chatham, GA 31408, 31409, 31410, 31411, Chatham, GA 31415, 31419, 31421.
Residential listings by Chatham, GA ZIP
Chatham, GA ZIPs with the most tracked Chatham, GA residential listings: 31419 19 listings, 2 candidates, bank pressure 60; 31407 15 listings, 2 candidates, bank pressure 60; 31404 12 listings, 1 candidates, bank pressure 60; 31405 11 listings, 4 candidates, bank pressure 60 (Chatham, GA); 31415 11 listings, 0 candidates, bank pressure 60; 31302 10 listings, 0 candidates, bank pressure 60; 31322 10 listings, 1 candidates, bank pressure 60; 31401 9 listings, 5 candidates, bank pressure 60. Chatham, GA totals: 118 listings; Chatham, GA candidates 20; active ZIPs 3.
HUD assisted housing in Chatham, GA
27 assisted properties with 2,363 units sit in Chatham, GA; largest Chatham, GA properties: River Pointe Apt 1 & 2 - (Blackshears/Wessels) (Savannah) 280 units, 280 assisted; The Retreat At Garden Lakes (Garden City) 210 units; The Retreat At Henderson Lakes (Savannah) 204 units in Chatham, GA; Ashley Midtown Apartments (Savannah) 168 units; Thomas Francis Williams Court Apts (Savannah) 151 units, 151 assisted; King George Apartments Phase I And Ii (Savannah) 144 units.
Lenders with branches in Chatham, GA
Chatham, GA lenders by branch count: Ameris Bank (Chatham, GA): stress 51, 5 branches low in Chatham, GA; Queensborough Nb&T Co (Chatham, GA): stress 76, 3 branches low in Chatham, GA; Colony Bank (Chatham, GA): stress 65, 2 branches low in Chatham, GA; Great Oaks Bank (Chatham, GA): stress 63, 2 branches low in Chatham, GA; Carver State Bank (Chatham, GA): stress 52, 2 branches low in Chatham, GA; Banksouth (Chatham, GA): stress 58, 1 branch low in Chatham, GA.
Vacancy and permits, Chatham, GA
17,149 of 137,532 Chatham, GA housing units are vacant; Chatham, GA permits, twelve months: 2,025 multifamily units in Chatham, GA, 1,495 one-to-four unit units.
Work Chatham, GA at the parcel level
Every Chatham, GA parcel carries owner and address; every Chatham, GA parcel carries APN; Chatham, GA distress scores sit on the Chatham, GA live board.
Chatham, GA figures refresh with each source.
Chatham, GA questions
Most distressed ZIP code in Chatham County, GA?
ZIP 31322 leads Chatham, GA at 37/100; next in Chatham, GA: 31328 at 37/100; the Chatham, GA average is 37/100.
Where does Chatham County, GA rank for investment opportunity?
Chatham, GA is #762 among all ranked counties, #48 in Georgia; the Chatham, GA driver is construction; Chatham, GA moved up 179 places.
How many mortgages are delinquent in Chatham County, GA?
1.2% of Chatham, GA mortgages were ninety-plus days late in December 2025; the Chatham, GA peak since 2008 was 4.7%.
Which banks lend in Chatham County, GA?
6 watched lenders hold Chatham, GA branches; the largest Chatham, GA footprints are Ameris Bank (5), Queensborough Nb&T Co (3), Colony Bank (2).
More on Chatham, GA
Chatham County, GA distress report: public-record figures for Chatham, GA; not legal advice for Chatham, GA; not tax or investment advice; verify every Chatham, GA record before acting.