Chatham County, GA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Chatham County, Georgia? DLRadar grades every Chatham County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 37/100. Here is the 2026 Chatham County breakdown.
- Chatham County's most distressed ZIP is 31322 at 37/100.
- 15 ZIP codes tracked in Chatham County, averaging 37/100 distress.
- Chatham County reads peak — home values up 2.4% year over year.
- Vacancy runs 13.8% across Chatham County's tracked ZIPs, with a 13.1% poverty rate.
- The typical Chatham County home is worth about $354,146 against a ~$69,843 median income.
- Lending headwind in Chatham County sits at 39/100 — 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 | 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 ZIP codes in Chatham County (composite distress 0-100, 2026)
What is driving Chatham County distress
Chatham County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 37/100 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.
Chatham County market phase and pricing
The cycle in Chatham County is peak, with values up 2.4% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Chatham County
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Frequently asked questions
What is the hardest-hit ZIP in Chatham County?
ZIP 31322 leads Chatham County at 37/100, recomputed monthly from public records.
Is Chatham County expanding or contracting?
Chatham County is classified peak with a 2.4% year-over-year increase, following the FHFA House Price Index.
How is the Chatham County data sourced?
Chatham County draws on FHFA (peak trajectory), CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS — every one a public source. The scoring model does not change between counties, so these 15 ZIPs are comparable to anywhere else.
How much do distress scores vary between Chatham County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Chatham County ZIPs DLRadar ranks, scores run from 37/100 in 31322 down to 37/100 in 31415, against a Chatham County average of 37/100. That 0-point gap is why acquisition targeting in Chatham County works at ZIP level rather than county level.
What do Chatham County home values and vacancy say about distressed supply?
The typical Chatham County home carries about $354,146 of value against a median household income near $69,843. Vacancy across Chatham County's tracked ZIPs runs 13.8% and the poverty rate is 13.1%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Chatham County's foreclosure and tax-lien filings and its 39/100 lending headwind.
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Every score is formula-driven and sourced from public records. Treat it as research, not investment, legal or financial advice. Monthly refresh.