Cumberland County, VA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Cumberland County, Virginia? DLRadar grades every Cumberland County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 14/100. Here is the 2026 Cumberland County breakdown.
- Cumberland County's most distressed ZIP is 23936 at 14/100.
- 7 ZIP codes tracked in Cumberland County, averaging 11/100 distress.
- Cumberland County reads expansion — home values up 5.5% year over year.
- Vacancy runs 11.8% across Cumberland County's tracked ZIPs, with a 10.4% poverty rate.
- The typical Cumberland County home is worth about $268,357 against a ~$81,120 median income.
- Lending headwind in Cumberland County sits at 45/100 — a forward read on distressed supply.
Compiled from the DLRadar property-distress index and refreshed monthly. Cite with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 23936 | 14/100 |
| 2 | 23123 | 13/100 |
| 3 | 23038 | 12/100 |
| 4 | 23139 | 12/100 |
| 5 | 23901 | 11/100 |
| 6 | 23027 | 9/100 |
| 7 | 23040 | 9/100 |
Most distressed ZIP codes in Cumberland County (composite distress 0-100, 2026)
What is driving Cumberland County distress
The Cumberland County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 11/100 ZIP average. No proprietary or modelled inputs enter the score.
Cumberland County market phase and pricing
Phase for Cumberland County: expansion (+5.5% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Cumberland County
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Questions and answers
Which ZIP code leads Cumberland County on distress?
ZIP 23936 leads Cumberland County at 14/100, recomputed monthly from public records.
Which phase does Cumberland County sit in right now?
Phase for Cumberland County: expansion, tracking a 5.5% gain year over year, read off the FHFA index.
Which datasets feed the Cumberland County scores?
Cumberland County draws on FHFA (expansion 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 7 ZIPs are comparable to anywhere else.
How much do distress scores vary between Cumberland County ZIP codes?
One county number flattens a wide range. Across the Cumberland County ZIPs DLRadar ranks, scores run from 14/100 in 23936 down to 9/100 in 23040, against a Cumberland County average of 11/100. With 5 points between best and worst, county-level targeting in Cumberland County wastes effort.
What do Cumberland County home values and vacancy say about distressed supply?
The typical Cumberland County home carries about $268,357 of value against a median household income near $81,120. Vacancy across Cumberland County's tracked ZIPs runs 11.8% and the poverty rate is 10.4%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Cumberland County's filings and its 45/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.