Effingham County, GA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Effingham County, Georgia? DLRadar grades every Effingham County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 35/100. Here is the 2026 Effingham County breakdown.
- Effingham County's most distressed ZIP is 31302 at 35/100.
- 8 ZIP codes tracked in Effingham County, averaging 33/100 distress.
- Effingham County reads peak — home values up 2.4% year over year.
- Vacancy runs 11.6% across Effingham County's tracked ZIPs, with a 8.5% poverty rate.
- The typical Effingham County home is worth about $243,614 against a ~$85,000 median income.
- Lending headwind in Effingham County sits at 43/100 — a forward read on distressed supply.
All figures come from the monthly DLRadar distress index built on public records. Attribution to DLRadar (dlradar.com) appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 31302 | 35/100 |
| 2 | 31303 | 33/100 |
| 3 | 31307 | 33/100 |
| 4 | 31312 | 33/100 |
| 5 | 31318 | 33/100 |
| 6 | 31326 | 33/100 |
| 7 | 31329 | 33/100 |
| 8 | 30446 | 31/100 |
Most distressed ZIP codes in Effingham County (composite distress 0-100, 2026)
What is driving Effingham County distress
The Effingham County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 33/100 ZIP average. No proprietary or modelled inputs enter the score.
Effingham County market phase and pricing
Effingham County reads peak — home prices rose 2.4% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
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Common questions
Which ZIP code leads Effingham County on distress?
ZIP 31302 leads Effingham County at 35/100, recomputed monthly from public records.
Is Effingham County expanding or contracting?
The market phase for Effingham County is peak, prices rising 2.4% on the year — derived from the FHFA House Price Index path.
What is this Effingham County analysis built from?
Every Effingham County figure traces to a public source — FHFA House Price Index for the peak trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 8 Effingham County ZIP codes that it runs on every other U.S. county, so Effingham County's numbers are directly comparable to any other market.
How much do distress scores vary between Effingham County ZIP codes?
Averaging the county conceals how uneven it is. Across the Effingham County ZIPs DLRadar ranks, scores run from 35/100 in 31302 down to 31/100 in 30446, against a Effingham County average of 33/100. A spread of 4 points means Effingham County has to be worked ZIP by ZIP.
What do Effingham County home values and vacancy say about distressed supply?
The typical Effingham County home carries about $243,614 of value against a median household income near $85,000. Vacancy across Effingham County's tracked ZIPs runs 11.6% and the poverty rate is 8.5%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Effingham County's filings and its 43/100 lending headwind.
Related
Scores here are computed from public records by fixed formulas. Nothing on this page is investment, legal or financial advice; the index refreshes monthly.