Habersham County, GA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Habersham County, Georgia? DLRadar grades every Habersham County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 19/100. Here is the 2026 Habersham County breakdown.
- Habersham County's most distressed ZIP is 30531 at 19/100.
- 7 ZIP codes tracked in Habersham County, averaging 17/100 distress.
- Habersham County reads peak — home values up 1.2% year over year.
- Vacancy runs 13% across Habersham County's tracked ZIPs, with a 14.3% poverty rate.
- The typical Habersham County home is worth about $228,329 against a ~$60,580 median income.
- Lending headwind in Habersham County sits at 24/100 — 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 | 30531 | 19/100 |
| 2 | 30510 | 18/100 |
| 3 | 30523 | 18/100 |
| 4 | 30511 | 17/100 |
| 5 | 30535 | 17/100 |
| 6 | 30563 | 17/100 |
| 7 | 30577 | 16/100 |
Most distressed ZIP codes in Habersham County (composite distress 0-100, 2026)
What is driving Habersham County distress
Nothing here is estimated: Habersham County is scored from filings alone, and its ZIPs average 17/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Habersham County market phase and pricing
DLRadar places Habersham County in peak; prices moved up 1.2% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Habersham County
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Frequently asked
What is the most distressed ZIP code in Habersham County, GA?
ZIP 30531 leads Habersham County at 19/100, recomputed monthly from public records.
Where is Habersham County in the housing cycle?
Phase for Habersham County: peak, tracking a 1.2% gain year over year, read off the FHFA index.
Can the Habersham County figures be verified?
Each Habersham County number can be traced back to a federal or county source — FHFA, CFPB, the recorder, FEMA/NFIP and Census ACS. One deterministic model covers all 7 local ZIPs and every other county in the country.
How much do distress scores vary between Habersham County ZIP codes?
Averaging the county conceals how uneven it is. Across the Habersham County ZIPs DLRadar ranks, scores run from 19/100 in 30531 down to 16/100 in 30577, against a Habersham County average of 17/100. Those 3 points separate the ZIPs worth working in Habersham County from the rest.
What do Habersham County home values and vacancy say about distressed supply?
The typical Habersham County home carries about $228,329 of value against a median household income near $60,580. Vacancy across Habersham County's tracked ZIPs runs 13% and the poverty rate is 14.3%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Habersham County's foreclosure and lien data and its 24/100 lending headwind.
Related
A deterministic scoring of public filings. Nothing on this page constitutes investment, legal or financial advice. Monthly refresh from the live index.