Frederick County, VA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Frederick County, VA distress report, 2026: 12 ZIPs scored in Frederick, VA, Frederick, VA average 16/100; the top Frederick, VA ZIP is 22602 at 18/100; Frederick, VA market phase expansion, Frederick, VA prices +6.3% year over year.
- Frederick, VA ranks #2,786 nationally (opportunity index); Frederick, VA #88 in Virginia; Frederick, VA index 24.5.
- Frederick, VA: no CFPB county sample; Frederick, VA metro area reading 1.0%.
- Frederick, VA ZIP phases: 10 expansion, 2 peak.
- Frederick, VA residential listings tracked: 27 across 9 ZIPs; Frederick, VA candidate listings 17.
- Frederick, VA HUD assisted properties: 4 with 218 units.
- Frederick, VA lenders on watch: 3; largest Frederick, VA footprint Bank Of Clarke (5 branches).
- Frederick, VA most distressed ZIP: 22602 at 18/100.
Frederick, VA figures: DLRadar distress index; Frederick, VA inputs: CFPB, FHFA, HUD, FDIC; Frederick, VA rebuilt as sources refresh.
| Rank | Frederick, VA ZIP | Score |
|---|---|---|
| 1 | 22602 | 18/100 |
| 2 | 22603 | 18/100 |
| 3 | 22624 | 18/100 |
| 4 | 22625 | 18/100 |
| 5 | 22637 | 18/100 |
| 6 | 22655 | 18/100 |
| 7 | 22656 | 18/100 |
| 8 | 22630 | 17/100 |
| 9 | 22645 | 17/100 |
| 10 | 22654 | 17/100 |
| 11 | 22663 | 10/100 |
| 12 | 22601 | 8/100 |
Most distressed Frederick, VA ZIPs (0-100, 2026)
Mortgage delinquency around Frederick, VA
No CFPB county sample covers Frederick, VA; the metro area reading for Frederick, VA (Winchester, VA-WV): 1.0% ninety-plus; Frederick, VA area thirty-to-eighty-nine 2.5% (December 2025, Frederick, VA); Virginia overall 0.8%.
Opportunity index: Frederick, VA
Frederick, VA index 24.5, Frederick, VA phase weak; Frederick, VA primary driver construction, Frederick, VA second driver bank institutional. Frederick, VA components: property stress 11.5, foreclosure pressure 9.6, listing discounts 24.2, bank stress 53.1, insurance 0.0; Frederick, VA pulse 26.5; Frederick, VA capital opportunity 21.4.
ZIP market phases inside Frederick, VA
12 Frederick, VA ZIPs carry a price-cycle phase; Frederick, VA ZIPs by phase (Frederick, VA), deepest drawdown first: expansion, +6.3% YoY (Frederick, VA): 22601, 22602, 22603, 22624, Frederick, VA 22625, 22637, 22656; peak, +3.4% YoY (Frederick, VA): 22630; expansion, +5.0% YoY (Frederick, VA): 22645; expansion, +6.0% YoY (Frederick, VA): 22654; expansion, +6.1% YoY (Frederick, VA): 22655; peak, +3.8% YoY (Frederick, VA): 22663.
Residential listings by Frederick, VA ZIP
Frederick, VA ZIPs with the most tracked Frederick, VA residential listings: 22602 16 listings, 11 candidates, bank pressure 61; 22603 7 listings, 4 candidates, bank pressure 61; 22637 2 listings, 2 candidates, bank pressure 61; 22645 1 listings, 0 candidates, bank pressure 58 (Frederick, VA); 22656 1 listings, 0 candidates, bank pressure 61; 22624 0 listings, 0 candidates, bank pressure 61; 22625 0 listings, 0 candidates, bank pressure 61; 22654 0 listings, 0 candidates, bank pressure 59. Frederick, VA totals: 27 listings; Frederick, VA candidates 17; active ZIPs 5.
HUD assisted housing in Frederick, VA
4 assisted properties with 218 units sit in Frederick, VA; largest Frederick, VA properties: Denstock Meadow Branch Apartments (Winchester) 170 units; Frederick House (Stephens City) 48 units, 47 assisted; Meadow Branch Apts Phase Ii (Winchester) 0 units in Frederick, VA; Senseny Place Apartments (Frederick) 0 units.
Lenders with branches in Frederick, VA
Frederick, VA lenders by branch count: Bank Of Clarke (Frederick, VA): stress 63, 5 branches moderate in Frederick, VA; United Bank (Frederick, VA): stress 36, 4 branches moderate in Frederick, VA; First Bank (Frederick, VA): stress 70, 2 branches moderate in Frederick, VA.
Vacancy and permits, Frederick, VA
1,903 of 37,288 Frederick, VA housing units are vacant; Frederick, VA permits, twelve months: 0 multifamily units in Frederick, VA, 670 one-to-four unit units.
Work Frederick, VA at the parcel level
Every Frederick, VA parcel carries owner and address; every Frederick, VA parcel carries APN; Frederick, VA distress scores sit on the Frederick, VA live board.
Frederick, VA figures refresh with each source.
Frederick, VA questions
Most distressed ZIP code in Frederick County, VA?
ZIP 22602 leads Frederick, VA at 18/100; next in Frederick, VA: 22603 at 18/100; the Frederick, VA average is 16/100.
Where does Frederick County, VA rank for investment opportunity?
Frederick, VA is #2,786 among all ranked counties, #88 in Virginia; the Frederick, VA driver is construction; Frederick, VA moved up 126 places.
How many mortgages are delinquent in Frederick County, VA?
Frederick, VA takes the metro area reading of 1.0% for December 2025; no CFPB county sample covers Frederick, VA.
Which banks lend in Frederick County, VA?
3 watched lenders hold Frederick, VA branches; the largest Frederick, VA footprints are Bank Of Clarke (5), United Bank (4), First Bank (2).
More on Frederick, VA
Frederick County, VA distress report: public-record figures for Frederick, VA; not legal advice for Frederick, VA; not tax or investment advice; verify every Frederick, VA record before acting.