Elbert County, GA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Elbert County, GA distress report, 2026: 4 ZIPs scored in Elbert, GA, Elbert, GA average 18/100; the top Elbert, GA ZIP is 30662 at 20/100; Elbert, GA market phase peak, Elbert, GA prices +2.5% year over year.
- Elbert, GA ranks #1,214 nationally (opportunity index); Elbert, GA #82 in Georgia; Elbert, GA index 30.4.
- Elbert, GA: no CFPB county sample; Elbert, GA non-metro area reading 1.3%.
- Elbert, GA ZIP phases: 4 peak.
- Elbert, GA residential listings tracked: 7 across 3 ZIPs; Elbert, GA candidate listings 2.
- Elbert, GA HUD assisted properties: 1 with 130 units.
- Elbert, GA lenders on watch: 3; largest Elbert, GA footprint Vallant Bank (3 branches).
- Elbert, GA most distressed ZIP: 30662 at 20/100.
Elbert, GA figures: DLRadar distress index; Elbert, GA inputs: CFPB, FHFA, HUD, FDIC; Elbert, GA rebuilt as sources refresh.
| Rank | Elbert, GA ZIP | Score |
|---|---|---|
| 1 | 30662 | 20/100 |
| 2 | 30634 | 18/100 |
| 3 | 30624 | 17/100 |
| 4 | 30635 | 16/100 |
Most distressed Elbert, GA ZIPs (0-100, 2026)
Mortgage delinquency around Elbert, GA
No CFPB county sample covers Elbert, GA; the non-metro area reading for Elbert, GA: 1.3% ninety-plus; Elbert, GA area thirty-to-eighty-nine 3.0% (December 2025, Elbert, GA); Georgia overall 1.3%.
Opportunity index: Elbert, GA
Elbert, GA index 30.4, Elbert, GA phase watchlist; Elbert, GA primary driver vacancy, Elbert, GA second driver bank institutional. Elbert, GA components: property stress 22.1, foreclosure pressure 20.7, listing discounts 33.7, bank stress 53.3, insurance 0.0; Elbert, GA pulse 32.6; Elbert, GA capital opportunity 27.2; Elbert, GA seven-day change +0.4%.
ZIP market phases inside Elbert, GA
4 Elbert, GA ZIPs carry a price-cycle phase; Elbert, GA ZIPs by phase (Elbert, GA), deepest drawdown first: peak, +2.3% YoY (Elbert, GA): 30624; peak, +2.5% YoY (Elbert, GA): 30634, 30635; peak, +2.0% YoY (Elbert, GA): 30662.
Residential listings by Elbert, GA ZIP
Elbert, GA ZIPs with the most tracked Elbert, GA residential listings: 30635 7 listings, 2 candidates, bank pressure 54; 30624 0 listings, 0 candidates, bank pressure 55; 30634 0 listings, 0 candidates, bank pressure 54. Elbert, GA totals: 7 listings; Elbert, GA candidates 2; active ZIPs 1.
HUD assisted housing in Elbert, GA
1 assisted properties with 130 units sit in Elbert, GA; largest Elbert, GA properties: Sunny Brook Apartments (Elberton) 130 units, 130 assisted.
Lenders with branches in Elbert, GA
Elbert, GA lenders by branch count: Vallant Bank (Elbert, GA): stress 56, 3 branches low in Elbert, GA; Oconee State Bank (Elbert, GA): stress 77, 1 branch low in Elbert, GA; Northeast Georgia Bank (Elbert, GA): stress 31, 1 branch low in Elbert, GA.
Vacancy and permits, Elbert, GA
1,050 of 9,426 Elbert, GA housing units are vacant; Elbert, GA permits, twelve months: 4 multifamily units in Elbert, GA, 140 one-to-four unit units.
Work Elbert, GA at the parcel level
Every Elbert, GA parcel carries owner and address; every Elbert, GA parcel carries APN; Elbert, GA distress scores sit on the Elbert, GA live board.
Elbert, GA figures refresh with each source.
Elbert, GA questions
Most distressed ZIP code in Elbert County, GA?
ZIP 30662 leads Elbert, GA at 20/100; next in Elbert, GA: 30634 at 18/100; the Elbert, GA average is 18/100.
Where does Elbert County, GA rank for investment opportunity?
Elbert, GA is #1,214 among all ranked counties, #82 in Georgia; the Elbert, GA driver is vacancy; Elbert, GA moved up 476 places.
How many mortgages are delinquent in Elbert County, GA?
Elbert, GA takes the non-metro area reading of 1.3% for December 2025; no CFPB county sample covers Elbert, GA.
Which banks lend in Elbert County, GA?
3 watched lenders hold Elbert, GA branches; the largest Elbert, GA footprints are Vallant Bank (3), Oconee State Bank (1), Northeast Georgia Bank (1).
More on Elbert, GA
Elbert County, GA distress report: public-record figures for Elbert, GA; not legal advice for Elbert, GA; not tax or investment advice; verify every Elbert, GA record before acting.