Habersham County, GA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Habersham County, GA distress report, 2026: 7 ZIPs scored in Habersham, GA, Habersham, GA average 19/100; the top Habersham, GA ZIP is 30531 at 20/100; Habersham, GA market phase peak, Habersham, GA prices +1.2% year over year.
- Habersham, GA ranks #2,604 nationally (opportunity index); Habersham, GA #159 in Georgia; Habersham, GA index 25.4.
- Habersham, GA: no CFPB county sample; Habersham, GA non-metro area reading 1.3%.
- Habersham, GA ZIP phases: 7 peak.
- Habersham, GA residential listings tracked: 5 across 4 ZIPs; Habersham, GA candidate listings 0.
- Habersham, GA lenders on watch: 2; largest Habersham, GA footprint Rabun County Bank (2 branches).
- Habersham, GA most distressed ZIP: 30531 at 20/100.
Habersham, GA figures: DLRadar distress index; Habersham, GA inputs: CFPB, FHFA, HUD, FDIC; Habersham, GA rebuilt as sources refresh.
| Rank | Habersham, GA ZIP | Score |
|---|---|---|
| 1 | 30531 | 20/100 |
| 2 | 30510 | 19/100 |
| 3 | 30511 | 19/100 |
| 4 | 30523 | 18/100 |
| 5 | 30535 | 18/100 |
| 6 | 30563 | 18/100 |
| 7 | 30577 | 18/100 |
Most distressed Habersham, GA ZIPs (0-100, 2026)
Mortgage delinquency around Habersham, GA
No CFPB county sample covers Habersham, GA; the non-metro area reading for Habersham, GA: 1.3% ninety-plus; Habersham, GA area thirty-to-eighty-nine 3.0% (December 2025, Habersham, GA); Georgia overall 1.3%.
Opportunity index: Habersham, GA
Habersham, GA index 25.4, Habersham, GA phase weak; Habersham, GA primary driver vacancy, Habersham, GA second driver bank institutional. Habersham, GA components: property stress 21.2, foreclosure pressure 21.7, listing discounts 12.0, bank stress 40.9, insurance 0.0; Habersham, GA pulse 28.4; Habersham, GA capital opportunity 20.9; Habersham, GA seven-day change +0.4%.
ZIP market phases inside Habersham, GA
7 Habersham, GA ZIPs carry a price-cycle phase; Habersham, GA ZIPs by phase (Habersham, GA), deepest drawdown first: peak, +1.2% YoY, 0.0% off peak (Habersham, GA): 30563, 30535; peak, +1.4% YoY, 0.0% off peak (Habersham, GA): 30577, 30523; peak, +1.8% YoY, 0.0% off peak (Habersham, GA): 30531; peak, +2.5% YoY, 0.0% off peak (Habersham, GA): 30510; peak, +2.4% YoY, 0.0% off peak (Habersham, GA): 30511.
Residential listings by Habersham, GA ZIP
Habersham, GA ZIPs with the most tracked Habersham, GA residential listings: 30531 3 listings, 0 candidates, bank pressure 56; 30563 2 listings, 0 candidates, bank pressure 53; 30523 0 listings, 0 candidates, bank pressure 54; 30535 0 listings, 0 candidates, bank pressure 52 (Habersham, GA). Habersham, GA totals: 5 listings; Habersham, GA candidates 0; active ZIPs 2.
Lenders with branches in Habersham, GA
Habersham, GA lenders by branch count: Rabun County Bank (Habersham, GA): stress 56, 2 branches low in Habersham, GA; Vallant Bank (Habersham, GA): stress 56, 2 branches low in Habersham, GA.
Vacancy and permits, Habersham, GA
2,318 of 19,071 Habersham, GA housing units are vacant; Habersham, GA permits, twelve months: 63 multifamily units in Habersham, GA, 290 one-to-four unit units.
Work Habersham, GA at the parcel level
Every Habersham, GA parcel carries owner and address; every Habersham, GA parcel carries APN; Habersham, GA distress scores sit on the Habersham, GA live board.
Habersham, GA figures refresh with each source.
Habersham, GA questions
Most distressed ZIP code in Habersham County, GA?
ZIP 30531 leads Habersham, GA at 20/100; next in Habersham, GA: 30510 at 19/100; the Habersham, GA average is 19/100.
Where does Habersham County, GA rank for investment opportunity?
Habersham, GA is #2,604 among all ranked counties, #159 in Georgia; the Habersham, GA driver is vacancy; Habersham, GA moved up 105 places.
How many mortgages are delinquent in Habersham County, GA?
Habersham, GA takes the non-metro area reading of 1.3% for December 2025; no CFPB county sample covers Habersham, GA.
Which banks lend in Habersham County, GA?
2 watched lenders hold Habersham, GA branches; the largest Habersham, GA footprints are Rabun County Bank (2), Vallant Bank (2).
More on Habersham, GA
Habersham County, GA distress report: public-record figures for Habersham, GA; not legal advice for Habersham, GA; not tax or investment advice; verify every Habersham, GA record before acting.