Cumberland County, VA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Cumberland County, VA distress report, 2026: 7 ZIPs scored in Cumberland, VA, Cumberland, VA average 12/100; the top Cumberland, VA ZIP is 23123 at 14/100; Cumberland, VA market phase expansion, Cumberland, VA prices +5.5% year over year.
- Cumberland, VA ranks #2,418 nationally (opportunity index); Cumberland, VA #69 in Virginia; Cumberland, VA index 26.2.
- Cumberland, VA: no CFPB county sample; Cumberland, VA non-metro area reading 1.2%.
- Cumberland, VA ZIP phases: 5 expansion, 2 peak.
- Cumberland, VA residential listings tracked: 4 across 3 ZIPs; Cumberland, VA candidate listings 3.
- Cumberland, VA lenders on watch: 1; largest Cumberland, VA footprint Citizens&Farmers Bank (2 branches).
- Cumberland, VA most distressed ZIP: 23123 at 14/100.
Cumberland, VA figures: DLRadar distress index; Cumberland, VA inputs: CFPB, FHFA, HUD, FDIC; Cumberland, VA rebuilt as sources refresh.
| Rank | Cumberland, VA ZIP | Score |
|---|---|---|
| 1 | 23123 | 14/100 |
| 2 | 23936 | 14/100 |
| 3 | 23139 | 13/100 |
| 4 | 23038 | 12/100 |
| 5 | 23901 | 12/100 |
| 6 | 23040 | 10/100 |
| 7 | 23027 | 9/100 |
Most distressed Cumberland, VA ZIPs (0-100, 2026)
Mortgage delinquency around Cumberland, VA
No CFPB county sample covers Cumberland, VA; the non-metro area reading for Cumberland, VA: 1.2% ninety-plus; Cumberland, VA area thirty-to-eighty-nine 3.0% (December 2025, Cumberland, VA); Virginia overall 0.8%.
Opportunity index: Cumberland, VA
Cumberland, VA index 26.2, Cumberland, VA phase weak; Cumberland, VA primary driver vacancy, Cumberland, VA second driver bank institutional. Cumberland, VA components: property stress 19.5, foreclosure pressure 19.7, listing discounts 12.7, bank stress 60.0, insurance 0.0; Cumberland, VA pulse 32.3; Cumberland, VA capital opportunity 17.0; Cumberland, VA seven-day change +0.4%.
ZIP market phases inside Cumberland, VA
7 Cumberland, VA ZIPs carry a price-cycle phase; Cumberland, VA ZIPs by phase (Cumberland, VA), deepest drawdown first: expansion, +5.5% YoY (Cumberland, VA): 23027, 23040, 23123, 23901, Cumberland, VA 23936; peak, +4.1% YoY (Cumberland, VA): 23038; peak, +3.1% YoY (Cumberland, VA): 23139.
Residential listings by Cumberland, VA ZIP
Cumberland, VA ZIPs with the most tracked Cumberland, VA residential listings: 23901 4 listings, 3 candidates, bank pressure 61; 23027 0 listings, 0 candidates, bank pressure 59; 23040 0 listings, 0 candidates, bank pressure 65. Cumberland, VA totals: 4 listings; Cumberland, VA candidates 3; active ZIPs 0.
Lenders with branches in Cumberland, VA
Cumberland, VA lenders by branch count: Citizens&Farmers Bank (Cumberland, VA): stress 59, 2 branches moderate in Cumberland, VA.
Vacancy and permits, Cumberland, VA
726 of 4,736 Cumberland, VA housing units are vacant; Cumberland, VA permits, twelve months: 0 multifamily units in Cumberland, VA, 82 one-to-four unit units.
Work Cumberland, VA at the parcel level
Every Cumberland, VA parcel carries owner and address; every Cumberland, VA parcel carries APN; Cumberland, VA distress scores sit on the Cumberland, VA live board.
Cumberland, VA figures refresh with each source.
Cumberland, VA questions
Most distressed ZIP code in Cumberland County, VA?
ZIP 23123 leads Cumberland, VA at 14/100; next in Cumberland, VA: 23936 at 14/100; the Cumberland, VA average is 12/100.
Where does Cumberland County, VA rank for investment opportunity?
Cumberland, VA is #2,418 among all ranked counties, #69 in Virginia; the Cumberland, VA driver is vacancy; Cumberland, VA moved down 701 places.
How many mortgages are delinquent in Cumberland County, VA?
Cumberland, VA takes the non-metro area reading of 1.2% for December 2025; no CFPB county sample covers Cumberland, VA.
Which banks lend in Cumberland County, VA?
1 watched lenders hold Cumberland, VA branches; the largest Cumberland, VA footprints are Citizens&Farmers Bank (2).
More on Cumberland, VA
Cumberland County, VA distress report: public-record figures for Cumberland, VA; not legal advice for Cumberland, VA; not tax or investment advice; verify every Cumberland, VA record before acting.