Chesterfield County, VA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Chesterfield County, Virginia? DLRadar grades every Chesterfield County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 24/100. Here is the 2026 Chesterfield County breakdown.
- Chesterfield County's most distressed ZIP is 23224 at 24/100.
- 16 ZIP codes tracked in Chesterfield County, averaging 21/100 distress.
- Chesterfield County reads peak — home values up 3.1% year over year.
- Vacancy runs 5.1% across Chesterfield County's tracked ZIPs, with a 8.9% poverty rate.
- The typical Chesterfield County home is worth about $360,206 against a ~$91,794 median income.
- Lending headwind in Chesterfield County sits at 42/100 — a forward read on distressed supply.
Numbers from the DLRadar public-record distress index, refreshed each month. Quote them freely with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 23224 | 24/100 |
| 2 | 23225 | 24/100 |
| 3 | 23234 | 23/100 |
| 4 | 23235 | 23/100 |
| 5 | 23112 | 22/100 |
| 6 | 23114 | 22/100 |
| 7 | 23236 | 22/100 |
| 8 | 23237 | 22/100 |
| 9 | 23831 | 22/100 |
| 10 | 23832 | 22/100 |
| 11 | 23836 | 22/100 |
| 12 | 23838 | 22/100 |
Most distressed ZIP codes in Chesterfield County (composite distress 0-100, 2026)
What is driving Chesterfield County distress
The Chesterfield County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 21/100 ZIP average. No proprietary or modelled inputs enter the score.
Chesterfield County market phase and pricing
The cycle in Chesterfield County is peak, with values up 3.1% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
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Frequently asked questions
Which Chesterfield County ZIP scores worst for distress?
ZIP 23224 leads Chesterfield County at 24/100, recomputed monthly from public records.
What stage of the price cycle is Chesterfield County at?
Chesterfield County is classified peak with a 3.1% year-over-year increase, following the FHFA House Price Index.
Can the Chesterfield County figures be verified?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 16 Chesterfield County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Chesterfield County ZIP codes?
A county average hides the spread. Across the Chesterfield County ZIPs DLRadar ranks, scores run from 24/100 in 23224 down to 22/100 in 23838, against a Chesterfield County average of 21/100. Those 2 points separate the ZIPs worth working in Chesterfield County from the rest.
What do Chesterfield County home values and vacancy say about distressed supply?
The typical Chesterfield County home carries about $360,206 of value against a median household income near $91,794. Vacancy across Chesterfield County's tracked ZIPs runs 5.1% and the poverty rate is 8.9%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Chesterfield County's foreclosure and lien data and its 42/100 lending headwind.
Related
Formula-driven readings of public documents. Not investment, legal or financial advice of any kind; figures refresh from the live index each month.