Frederick County, VA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Frederick County, Virginia? DLRadar grades every Frederick County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 18/100. Here is the 2026 Frederick County breakdown.
- Frederick County's most distressed ZIP is 22602 at 18/100.
- 12 ZIP codes tracked in Frederick County, averaging 17/100 distress.
- Frederick County reads expansion — home values up 6.3% year over year.
- Vacancy runs 10.3% across Frederick County's tracked ZIPs, with a 9% poverty rate.
- The typical Frederick County home is worth about $383,283 against a ~$87,749 median income.
- Lending headwind in Frederick County sits at 47/100 — 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 | 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 | 22645 | 17/100 |
| 9 | 22654 | 17/100 |
| 10 | 22601 | 16/100 |
| 11 | 22630 | 16/100 |
| 12 | 22663 | 9/100 |
Most distressed ZIP codes in Frederick County (composite distress 0-100, 2026)
What is driving Frederick County distress
Frederick County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 17/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Frederick County market phase and pricing
Frederick County currently sits in expansion after a 6.3% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
See the distressed properties behind the data in Frederick County
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What people ask
What is the most distressed ZIP code in Frederick County, VA?
ZIP 22602 leads Frederick County at 18/100, recomputed monthly from public records.
Where is Frederick County in the housing cycle?
Frederick County reads expansion, with home prices up 6.3% year over year. Phase comes from FHFA House Price Index trajectory.
Which datasets feed the Frederick County scores?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 12 Frederick County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Frederick County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Frederick County ZIPs DLRadar ranks, scores run from 18/100 in 22602 down to 9/100 in 22663, against a Frederick County average of 17/100. A spread of 9 points means Frederick County has to be worked ZIP by ZIP.
What do Frederick County home values and vacancy say about distressed supply?
The typical Frederick County home carries about $383,283 of value against a median household income near $87,749. Vacancy across Frederick County's tracked ZIPs runs 10.3% and the poverty rate is 9%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Frederick County's foreclosure and lien data and its 47/100 lending headwind.
Related
Scores are computed, not advised: public records, fixed formulas, monthly refresh. Not investment, legal or financial advice.