Chesterfield County, VA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Chesterfield County, VA distress report, 2026: 16 ZIPs scored in Chesterfield, VA, Chesterfield, VA average 19/100; the top Chesterfield, VA ZIP is 23224 at 22/100; Chesterfield, VA market phase peak, Chesterfield, VA prices +3.1% year over year.
- Chesterfield, VA ranks #3,170 nationally (opportunity index); Chesterfield, VA #129 in Virginia; Chesterfield, VA index 20.9.
- Chesterfield, VA ninety-day mortgage delinquency 1.0% in December 2025; Chesterfield, VA twelve-month change +0.3%.
- Chesterfield, VA ZIP phases: 16 peak.
- Chesterfield, VA residential listings tracked: 42 across 13 ZIPs; Chesterfield, VA candidate listings 8.
- Chesterfield, VA HUD assisted properties: 24 with 2,510 units.
- Chesterfield, VA lenders on watch: 8; largest Chesterfield, VA footprint Atlantic Union Bank (6 branches).
- Chesterfield, VA most distressed ZIP: 23224 at 22/100.
Chesterfield, VA figures: DLRadar distress index; Chesterfield, VA inputs: CFPB, FHFA, HUD, FDIC; Chesterfield, VA rebuilt as sources refresh.
| Rank | Chesterfield, VA ZIP | Score |
|---|---|---|
| 1 | 23224 | 22/100 |
| 2 | 23225 | 22/100 |
| 3 | 23234 | 21/100 |
| 4 | 23235 | 21/100 |
| 5 | 23112 | 20/100 |
| 6 | 23114 | 20/100 |
| 7 | 23120 | 20/100 |
| 8 | 23236 | 20/100 |
| 9 | 23237 | 20/100 |
| 10 | 23831 | 20/100 |
| 11 | 23832 | 20/100 |
| 12 | 23836 | 20/100 |
Most distressed Chesterfield, VA ZIPs (0-100, 2026)
Mortgage delinquency in Chesterfield, VA
1.0% of Chesterfield, VA mortgages were ninety-plus days late (Chesterfield, VA, December 2025); Chesterfield, VA thirty-to-eighty-nine days late: 2.0%; Chesterfield, VA twelve-month change +0.3%; Chesterfield, VA peak since 2008: 3.8% (December 2010); Virginia overall 0.8%. Chesterfield, VA ninety-day series: Dec 24 0.7, Jan 25 0.6, Feb 25 0.5 (Chesterfield, VA), Mar 25 0.5, Apr 25 0.4, May 25 0.6 (Chesterfield, VA), Jun 25 0.7, Jul 25 0.7, Aug 25 0.9 (Chesterfield, VA), Sep 25 0.8, Oct 25 0.9, Nov 25 0.9 (Chesterfield, VA), Dec 25 1.0.
Opportunity index: Chesterfield, VA
Chesterfield, VA index 20.9, Chesterfield, VA phase weak; Chesterfield, VA primary driver bank institutional, Chesterfield, VA second driver listings discount. Chesterfield, VA components: property stress 6.7, foreclosure pressure 4.9, listing discounts 26.4, bank stress 45.5, insurance 0.0; Chesterfield, VA pulse 19.6; Chesterfield, VA capital opportunity 22.8; Chesterfield, VA seven-day change +0.2%.
ZIP market phases inside Chesterfield, VA
16 Chesterfield, VA ZIPs carry a price-cycle phase; Chesterfield, VA ZIPs by phase (Chesterfield, VA), deepest drawdown first: peak, +3.1% YoY (Chesterfield, VA): 23112, 23113, 23114, 23120, Chesterfield, VA 23224, 23225, 23234, 23235, Chesterfield, VA 23236, 23237, 23803, 23831, Chesterfield, VA 23832, 23834, 23836, 23838.
Residential listings by Chesterfield, VA ZIP
Chesterfield, VA ZIPs with the most tracked Chesterfield, VA residential listings: 23234 7 listings, 0 candidates, bank pressure 56; 23237 6 listings, 0 candidates, bank pressure 54; 23235 5 listings, 0 candidates, bank pressure 56; 23236 5 listings, 1 candidates, bank pressure 54 (Chesterfield, VA); 23832 5 listings, 3 candidates, bank pressure 54; 23112 3 listings, 3 candidates, bank pressure 54; 23834 3 listings, 0 candidates, bank pressure 55; 23113 2 listings, 0 candidates, bank pressure 56. Chesterfield, VA totals: 42 listings; Chesterfield, VA candidates 8; active ZIPs 11.
HUD assisted housing in Chesterfield, VA
24 assisted properties with 2,510 units sit in Chesterfield, VA; largest Chesterfield, VA properties: White Oak Apartments (Chester) 322 units; Abberly At Centerpointe (Midlothian) 271 units; Magnolia Green Apts. (Moseley) 248 units in Chesterfield, VA; Winchester Greens (North Chesterfield) 240 units; Midlothian Town Center Apartments (Midlothian) 238 units; Moore's Lake Apartments (Richmond) 200 units.
Lenders with branches in Chesterfield, VA
Chesterfield, VA lenders by branch count: Atlantic Union Bank (Chesterfield, VA): stress 40, 6 branches low in Chesterfield, VA; Citizens&Farmers Bank (Chesterfield, VA): stress 59, 4 branches low in Chesterfield, VA; Townebank (Chesterfield, VA): stress 36, 3 branches low in Chesterfield, VA; First Community Bank (Chesterfield, VA): stress 35, 3 branches low in Chesterfield, VA; Blue Ridge Bank Na (Chesterfield, VA): stress 87, 2 branches moderate in Chesterfield, VA; First Bank (Chesterfield, VA): stress 70, 2 branches low in Chesterfield, VA; United Bank (Chesterfield, VA): stress 36, 2 branches low in Chesterfield, VA; Community Bankers Bank (Chesterfield, VA): stress 73, 1 branch low in Chesterfield, VA.
Vacancy and permits, Chesterfield, VA
5,554 of 145,709 Chesterfield, VA housing units are vacant; Chesterfield, VA permits, twelve months: 1,834 multifamily units in Chesterfield, VA, 1,310 one-to-four unit units.
Work Chesterfield, VA at the parcel level
Every Chesterfield, VA parcel carries owner and address; every Chesterfield, VA parcel carries APN; Chesterfield, VA distress scores sit on the Chesterfield, VA live board.
Chesterfield, VA figures refresh with each source.
Chesterfield, VA questions
Most distressed ZIP code in Chesterfield County, VA?
ZIP 23224 leads Chesterfield, VA at 22/100; next in Chesterfield, VA: 23225 at 22/100; the Chesterfield, VA average is 19/100.
Where does Chesterfield County, VA rank for investment opportunity?
Chesterfield, VA is #3,170 among all ranked counties, #129 in Virginia; the Chesterfield, VA driver is bank institutional; Chesterfield, VA moved up 35 places.
How many mortgages are delinquent in Chesterfield County, VA?
1.0% of Chesterfield, VA mortgages were ninety-plus days late in December 2025; the Chesterfield, VA peak since 2008 was 3.8%.
Which banks lend in Chesterfield County, VA?
8 watched lenders hold Chesterfield, VA branches; the largest Chesterfield, VA footprints are Atlantic Union Bank (6), Citizens&Farmers Bank (4), Townebank (3).
More on Chesterfield, VA
Chesterfield County, VA distress report: public-record figures for Chesterfield, VA; not legal advice for Chesterfield, VA; not tax or investment advice; verify every Chesterfield, VA record before acting.