Effingham County, GA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Effingham County, GA distress report, 2026: 8 ZIPs scored in Effingham, GA, Effingham, GA average 33/100; the top Effingham, GA ZIP is 31302 at 35/100; Effingham, GA market phase peak, Effingham, GA prices +2.4% year over year.
- Effingham, GA ranks #937 nationally (opportunity index); Effingham, GA #62 in Georgia; Effingham, GA index 31.4.
- Effingham, GA: no CFPB county sample; Effingham, GA metro area reading 1.1%.
- Effingham, GA ZIP phases: 8 peak.
- Effingham, GA residential listings tracked: 31 across 6 ZIPs; Effingham, GA candidate listings 6.
- Effingham, GA lenders on watch: 3; largest Effingham, GA footprint Bank Of Newington (2 branches).
- Effingham, GA most distressed ZIP: 31302 at 35/100.
Effingham, GA figures: DLRadar distress index; Effingham, GA inputs: CFPB, FHFA, HUD, FDIC; Effingham, GA rebuilt as sources refresh.
| Rank | Effingham, GA ZIP | Score |
|---|---|---|
| 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 | 30/100 |
Most distressed Effingham, GA ZIPs (0-100, 2026)
Mortgage delinquency around Effingham, GA
No CFPB county sample covers Effingham, GA; the metro area reading for Effingham, GA (Savannah, GA): 1.1% ninety-plus; Effingham, GA area thirty-to-eighty-nine 2.2% (December 2025, Effingham, GA); Georgia overall 1.3%.
Opportunity index: Effingham, GA
Effingham, GA index 31.4, Effingham, GA phase watchlist; Effingham, GA primary driver construction, Effingham, GA second driver bank institutional. Effingham, GA components: property stress 18.3, foreclosure pressure 16.3, listing discounts 42.7, bank stress 44.7, insurance 0.0; Effingham, GA pulse 31.2; Effingham, GA capital opportunity 31.8.
ZIP market phases inside Effingham, GA
8 Effingham, GA ZIPs carry a price-cycle phase; Effingham, GA ZIPs by phase (Effingham, GA), deepest drawdown first: peak, +2.4% YoY (Effingham, GA): 30446, 31302, 31303, 31307, Effingham, GA 31312, 31318, 31326, 31329.
Residential listings by Effingham, GA ZIP
Effingham, GA ZIPs with the most tracked Effingham, GA residential listings: 31312 14 listings, 1 candidates, bank pressure 62; 31326 13 listings, 3 candidates, bank pressure 62; 31329 3 listings, 1 candidates, bank pressure 62; 31303 1 listings, 1 candidates, bank pressure 62 (Effingham, GA); 31307 0 listings, 0 candidates, bank pressure 62; 31318 0 listings, 0 candidates, bank pressure 62. Effingham, GA totals: 31 listings; Effingham, GA candidates 6; active ZIPs 4.
Lenders with branches in Effingham, GA
Effingham, GA lenders by branch count: Bank Of Newington (Effingham, GA): stress 64, 2 branches low in Effingham, GA; Queensborough Nb&T Co (Effingham, GA): stress 76, 1 branch low in Effingham, GA; Ameris Bank (Effingham, GA): stress 51, 1 branch low in Effingham, GA.
Vacancy and permits, Effingham, GA
1,656 of 25,943 Effingham, GA housing units are vacant; Effingham, GA permits, twelve months: 101 multifamily units in Effingham, GA, 443 one-to-four unit units.
Work Effingham, GA at the parcel level
Every Effingham, GA parcel carries owner and address; every Effingham, GA parcel carries APN; Effingham, GA distress scores sit on the Effingham, GA live board.
Effingham, GA figures refresh with each source.
Effingham, GA questions
Most distressed ZIP code in Effingham County, GA?
ZIP 31302 leads Effingham, GA at 35/100; next in Effingham, GA: 31303 at 33/100; the Effingham, GA average is 33/100.
Where does Effingham County, GA rank for investment opportunity?
Effingham, GA is #937 among all ranked counties, #62 in Georgia; the Effingham, GA driver is construction; Effingham, GA moved up 1,093 places.
How many mortgages are delinquent in Effingham County, GA?
Effingham, GA takes the metro area reading of 1.1% for December 2025; no CFPB county sample covers Effingham, GA.
Which banks lend in Effingham County, GA?
3 watched lenders hold Effingham, GA branches; the largest Effingham, GA footprints are Bank Of Newington (2), Queensborough Nb&T Co (1), Ameris Bank (1).
More on Effingham, GA
Effingham County, GA distress report: public-record figures for Effingham, GA; not legal advice for Effingham, GA; not tax or investment advice; verify every Effingham, GA record before acting.