Grady County, GA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Grady County, GA distress report, 2026: 6 ZIPs scored in Grady, GA, Grady, GA average 26/100; the top Grady, GA ZIP is 31773 at 28/100; Grady, GA market phase peak, Grady, GA prices +1.2% year over year.
- Grady, GA ranks #1,460 nationally (opportunity index); Grady, GA #112 in Georgia; Grady, GA index 29.6.
- Grady, GA: no CFPB county sample; Grady, GA non-metro area reading 1.3%.
- Grady, GA ZIP phases: 6 peak.
- Grady, GA residential listings tracked: 3 across 3 ZIPs; Grady, GA candidate listings 0.
- Grady, GA HUD assisted properties: 5 with 229 units.
- Grady, GA lenders on watch: 3; largest Grady, GA footprint First Nb Of Decatur County (1 branch).
- Grady, GA most distressed ZIP: 31773 at 28/100.
Grady, GA figures: DLRadar distress index; Grady, GA inputs: CFPB, FHFA, HUD, FDIC; Grady, GA rebuilt as sources refresh.
| Rank | Grady, GA ZIP | Score |
|---|---|---|
| 1 | 31773 | 28/100 |
| 2 | 31792 | 28/100 |
| 3 | 31779 | 26/100 |
| 4 | 39827 | 24/100 |
| 5 | 39828 | 24/100 |
| 6 | 39897 | 24/100 |
Most distressed Grady, GA ZIPs (0-100, 2026)
Mortgage delinquency around Grady, GA
No CFPB county sample covers Grady, GA; the non-metro area reading for Grady, GA: 1.3% ninety-plus; Grady, GA area thirty-to-eighty-nine 3.0% (December 2025, Grady, GA); Georgia overall 1.3%.
Opportunity index: Grady, GA
Grady, GA index 29.6, Grady, GA phase early_signal; Grady, GA primary driver construction, Grady, GA second driver vacancy. Grady, GA components: property stress 22.3, foreclosure pressure 23.1, listing discounts 21.2, bank stress 48.6, insurance 0.0; Grady, GA pulse 33.8; Grady, GA capital opportunity 23.2; Grady, GA seven-day change +0.8%.
ZIP market phases inside Grady, GA
6 Grady, GA ZIPs carry a price-cycle phase; Grady, GA ZIPs by phase (Grady, GA), deepest drawdown first: peak, +1.2% YoY, 0.0% off peak (Grady, GA): 31773, 31792, 39827, 39828, Grady, GA 39897; peak, +2.0% YoY, 0.0% off peak (Grady, GA): 31779.
Residential listings by Grady, GA ZIP
Grady, GA ZIPs with the most tracked Grady, GA residential listings: 39828 3 listings, 0 candidates, bank pressure 58; 39827 0 listings, 0 candidates, bank pressure 58; 39897 0 listings, 0 candidates, bank pressure 57. Grady, GA totals: 3 listings; Grady, GA candidates 0; active ZIPs 1.
HUD assisted housing in Grady, GA
5 assisted properties with 229 units sit in Grady, GA; largest Grady, GA properties: Washington Homes (Cairo) 179 units, 179 assisted; Haven On Broad (Cairo) 17 units, 17 assisted; Gibb Cairo Village (Cairo) 14 units, 14 assisted in Grady, GA; Haven On Broad South (Cairo) 14 units, 14 assisted; Grady County Options (Cairo) 5 units, 4 assisted.
Lenders with branches in Grady, GA
Grady, GA lenders by branch count: First Nb Of Decatur County (Grady, GA): stress 96, 1 branch low in Grady, GA; Ameris Bank (Grady, GA): stress 51, 1 branch low in Grady, GA; United National Bank (Grady, GA): stress 49, 1 branch low in Grady, GA.
Vacancy and permits, Grady, GA
1,537 of 11,645 Grady, GA housing units are vacant; Grady, GA permits, twelve months: 0 multifamily units in Grady, GA, 56 one-to-four unit units.
Work Grady, GA at the parcel level
Every Grady, GA parcel carries owner and address; every Grady, GA parcel carries APN; Grady, GA distress scores sit on the Grady, GA live board.
Grady, GA figures refresh with each source.
Grady, GA questions
Most distressed ZIP code in Grady County, GA?
ZIP 31773 leads Grady, GA at 28/100; next in Grady, GA: 31792 at 28/100; the Grady, GA average is 26/100.
Where does Grady County, GA rank for investment opportunity?
Grady, GA is #1,460 among all ranked counties, #112 in Georgia; the Grady, GA driver is construction; Grady, GA moved up 81 places.
How many mortgages are delinquent in Grady County, GA?
Grady, GA takes the non-metro area reading of 1.3% for December 2025; no CFPB county sample covers Grady, GA.
Which banks lend in Grady County, GA?
3 watched lenders hold Grady, GA branches; the largest Grady, GA footprints are First Nb Of Decatur County (1), Ameris Bank (1), United National Bank (1).
More on Grady, GA
Grady County, GA distress report: public-record figures for Grady, GA; not legal advice for Grady, GA; not tax or investment advice; verify every Grady, GA record before acting.