Clarke County, GA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Clarke County, GA distress report, 2026: 9 ZIPs scored in Clarke, GA, Clarke, GA average 28/100; the top Clarke, GA ZIP is 30602 at 32/100; Clarke, GA market phase peak, Clarke, GA prices +0.4% year over year.
- Clarke, GA ranks #2,327 nationally (opportunity index); Clarke, GA #148 in Georgia; Clarke, GA index 26.6.
- Clarke, GA: no CFPB county sample; Clarke, GA metro area reading 1.1%.
- Clarke, GA ZIP phases: 9 peak.
- Clarke, GA residential listings tracked: 10 across 5 ZIPs; Clarke, GA candidate listings 4.
- Clarke, GA HUD assisted properties: 7 with 900 units.
- Clarke, GA lenders on watch: 5; largest Clarke, GA footprint First American Bank&Trust Co (3 branches).
- Clarke, GA most distressed ZIP: 30602 at 32/100.
Clarke, GA figures: DLRadar distress index; Clarke, GA inputs: CFPB, FHFA, HUD, FDIC; Clarke, GA rebuilt as sources refresh.
| Rank | Clarke, GA ZIP | Score |
|---|---|---|
| 1 | 30602 | 32/100 |
| 2 | 30605 | 32/100 |
| 3 | 30609 | 32/100 |
| 4 | 30601 | 31/100 |
| 5 | 30606 | 30/100 |
| 6 | 30607 | 26/100 |
| 7 | 30622 | 26/100 |
| 8 | 30683 | 24/100 |
| 9 | 30646 | 20/100 |
Most distressed Clarke, GA ZIPs (0-100, 2026)
Mortgage delinquency around Clarke, GA
No CFPB county sample covers Clarke, GA; the metro area reading for Clarke, GA (Athens-Clarke County, GA): 1.1% ninety-plus; Clarke, GA area thirty-to-eighty-nine 1.6% (December 2025, Clarke, GA); Georgia overall 1.3%.
Opportunity index: Clarke, GA
Clarke, GA index 26.6, Clarke, GA phase weak; Clarke, GA primary driver construction, Clarke, GA second driver bank institutional. Clarke, GA components: property stress 19.3, foreclosure pressure 16.4, listing discounts 18.4, bank stress 52.8, insurance 0.0; Clarke, GA pulse 30.6; Clarke, GA capital opportunity 20.7; Clarke, GA seven-day change +0.4%.
ZIP market phases inside Clarke, GA
9 Clarke, GA ZIPs carry a price-cycle phase; Clarke, GA ZIPs by phase (Clarke, GA), deepest drawdown first: peak, +0.9% YoY, 0.0% off peak (Clarke, GA): 30607; peak, +0.4% YoY, 0.0% off peak (Clarke, GA): 30622, 30601, 30646; peak, +0.4% YoY (Clarke, GA): 30602, 30605, 30606, 30609, Clarke, GA 30683.
Residential listings by Clarke, GA ZIP
Clarke, GA ZIPs with the most tracked Clarke, GA residential listings: 30606 6 listings, 2 candidates, bank pressure 57; 30601 2 listings, 1 candidates, bank pressure 56; 30605 2 listings, 1 candidates, bank pressure 57; 30602 0 listings, 0 candidates, bank pressure 58 (Clarke, GA); 30609 0 listings, 0 candidates, bank pressure 58. Clarke, GA totals: 10 listings; Clarke, GA candidates 4; active ZIPs 3.
HUD assisted housing in Clarke, GA
7 assisted properties with 900 units sit in Clarke, GA; largest Clarke, GA properties: The Bluffs At Epps Bridge (Athens) 294 units; Beechwood Apartments (Athens) 182 units; Rolling Ridge (Athens) 160 units, 160 assisted in Clarke, GA; Pinewood Apartments (Athens) 90 units, 90 assisted; Whitehall Landing Apartments (Athens) 68 units; South Hampton Terrace And Village (Athens) 56 units.
Lenders with branches in Clarke, GA
Clarke, GA lenders by branch count: First American Bank&Trust Co (Clarke, GA): stress 40, 3 branches low in Clarke, GA; Oconee State Bank (Clarke, GA): stress 77, 1 branch low in Clarke, GA; Vallant Bank (Clarke, GA): stress 56, 1 branch low in Clarke, GA; Classic City Bank (Clarke, GA): stress 45, 1 branch low in Clarke, GA; Commercial Bank (Clarke, GA): stress 44, 1 branch low in Clarke, GA.
Vacancy and permits, Clarke, GA
3,464 of 57,918 Clarke, GA housing units are vacant; Clarke, GA permits, twelve months: 334 multifamily units in Clarke, GA, 294 one-to-four unit units.
Work Clarke, GA at the parcel level
Every Clarke, GA parcel carries owner and address; every Clarke, GA parcel carries APN; Clarke, GA distress scores sit on the Clarke, GA live board.
Clarke, GA figures refresh with each source.
Clarke, GA questions
Most distressed ZIP code in Clarke County, GA?
ZIP 30602 leads Clarke, GA at 32/100; next in Clarke, GA: 30605 at 32/100; the Clarke, GA average is 28/100.
Where does Clarke County, GA rank for investment opportunity?
Clarke, GA is #2,327 among all ranked counties, #148 in Georgia; the Clarke, GA driver is construction; Clarke, GA moved down 161 places.
How many mortgages are delinquent in Clarke County, GA?
Clarke, GA takes the metro area reading of 1.1% for December 2025; no CFPB county sample covers Clarke, GA.
Which banks lend in Clarke County, GA?
5 watched lenders hold Clarke, GA branches; the largest Clarke, GA footprints are First American Bank&Trust Co (3), Oconee State Bank (1), Vallant Bank (1).
More on Clarke, GA
Clarke County, GA distress report: public-record figures for Clarke, GA; not legal advice for Clarke, GA; not tax or investment advice; verify every Clarke, GA record before acting.