Harris County, GA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Harris County, GA distress report, 2026: 12 ZIPs scored in Harris, GA, Harris, GA average 19/100; the top Harris, GA ZIP is 31829 at 29/100; Harris, GA market phase peak, Harris, GA prices +1.6% year over year.
- Harris, GA ranks #1,375 nationally (opportunity index); Harris, GA #104 in Georgia; Harris, GA index 29.9.
- Harris, GA: no CFPB county sample; Harris, GA metro area reading 1.0%.
- Harris, GA ZIP phases: 12 peak.
- Harris, GA residential listings tracked: 8 across 9 ZIPs; Harris, GA candidate listings 3.
- Harris, GA lenders on watch: 1; largest Harris, GA footprint First Peoples Bank (2 branches).
- Harris, GA most distressed ZIP: 31829 at 29/100.
Harris, GA figures: DLRadar distress index; Harris, GA inputs: CFPB, FHFA, HUD, FDIC; Harris, GA rebuilt as sources refresh.
| Rank | Harris, GA ZIP | Score |
|---|---|---|
| 1 | 31829 | 29/100 |
| 2 | 31820 | 25/100 |
| 3 | 31808 | 20/100 |
| 4 | 31804 | 18/100 |
| 5 | 31807 | 18/100 |
| 6 | 31811 | 18/100 |
| 7 | 31823 | 18/100 |
| 8 | 31822 | 17/100 |
| 9 | 31826 | 17/100 |
| 10 | 31831 | 17/100 |
| 11 | 31833 | 17/100 |
| 12 | 31830 | 16/100 |
Most distressed Harris, GA ZIPs (0-100, 2026)
Mortgage delinquency around Harris, GA
No CFPB county sample covers Harris, GA; the metro area reading for Harris, GA (Columbus, GA-AL): 1.0% ninety-plus; Harris, GA area thirty-to-eighty-nine 3.5% (December 2025, Harris, GA); Georgia overall 1.3%.
Opportunity index: Harris, GA
Harris, GA index 29.9, Harris, GA phase early_signal; Harris, GA primary driver vacancy, Harris, GA second driver construction. Harris, GA components: property stress 21.6, foreclosure pressure 21.0, listing discounts 31.8, bank stress 42.5, insurance 0.0; Harris, GA pulse 30.9; Harris, GA capital opportunity 28.5; Harris, GA seven-day change +1.2%.
ZIP market phases inside Harris, GA
12 Harris, GA ZIPs carry a price-cycle phase; Harris, GA ZIPs by phase (Harris, GA), deepest drawdown first: peak, +1.6% YoY, 1.6% off peak (Harris, GA): 31804, 31807, 31808, 31811, Harris, GA 31823, 31826, 31829, 31831, Harris, GA 31820; peak, +1.4% YoY, 1.0% off peak (Harris, GA): 31833; peak, +1.4% YoY, 0.8% off peak (Harris, GA): 31822; peak, +1.3% YoY, 0.2% off peak (Harris, GA): 31830.
Residential listings by Harris, GA ZIP
Harris, GA ZIPs with the most tracked Harris, GA residential listings: 31831 3 listings, 1 candidates, bank pressure 73; 31804 1 listings, 1 candidates, bank pressure 65; 31808 1 listings, 0 candidates, bank pressure 59; 31811 1 listings, 1 candidates, bank pressure 65 (Harris, GA); 31822 1 listings, 0 candidates, bank pressure 58; 31833 1 listings, 0 candidates, bank pressure 58; 31807 0 listings, 0 candidates, bank pressure 65; 31823 0 listings, 0 candidates, bank pressure 65. Harris, GA totals: 8 listings; Harris, GA candidates 3; active ZIPs 5.
Lenders with branches in Harris, GA
Harris, GA lenders by branch count: First Peoples Bank (Harris, GA): stress 62, 2 branches low in Harris, GA.
Vacancy and permits, Harris, GA
1,672 of 14,699 Harris, GA housing units are vacant; Harris, GA permits, twelve months: 0 multifamily units in Harris, GA, 170 one-to-four unit units.
Work Harris, GA at the parcel level
Every Harris, GA parcel carries owner and address; every Harris, GA parcel carries APN; Harris, GA distress scores sit on the Harris, GA live board.
Harris, GA figures refresh with each source.
Harris, GA questions
Most distressed ZIP code in Harris County, GA?
ZIP 31829 leads Harris, GA at 29/100; next in Harris, GA: 31820 at 25/100; the Harris, GA average is 19/100.
Where does Harris County, GA rank for investment opportunity?
Harris, GA is #1,375 among all ranked counties, #104 in Georgia; the Harris, GA driver is vacancy; Harris, GA moved up 890 places.
How many mortgages are delinquent in Harris County, GA?
Harris, GA takes the metro area reading of 1.0% for December 2025; no CFPB county sample covers Harris, GA.
Which banks lend in Harris County, GA?
1 watched lenders hold Harris, GA branches; the largest Harris, GA footprints are First Peoples Bank (2).
More on Harris, GA
Harris County, GA distress report: public-record figures for Harris, GA; not legal advice for Harris, GA; not tax or investment advice; verify every Harris, GA record before acting.