Houston County, GA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Houston County, GA distress report, 2026: 12 ZIPs scored in Houston, GA, Houston, GA average 25/100; the top Houston, GA ZIP is 31005 at 27/100; Houston, GA market phase expansion, Houston, GA prices +5.9% year over year.
- Houston, GA ranks #1,905 nationally (opportunity index); Houston, GA #131 in Georgia; Houston, GA index 28.0.
- Houston, GA ninety-day mortgage delinquency 1.3% in December 2025; Houston, GA twelve-month change 0.0%.
- Houston, GA ZIP phases: 8 expansion, 4 peak.
- Houston, GA residential listings tracked: 12 across 8 ZIPs; Houston, GA candidate listings 0.
- Houston, GA HUD assisted properties: 8 with 492 units.
- Houston, GA lenders on watch: 7; largest Houston, GA footprint Vallant Bank (3 branches).
- Houston, GA most distressed ZIP: 31005 at 27/100.
Houston, GA figures: DLRadar distress index; Houston, GA inputs: CFPB, FHFA, HUD, FDIC; Houston, GA rebuilt as sources refresh.
| Rank | Houston, GA ZIP | Score |
|---|---|---|
| 1 | 31005 | 27/100 |
| 2 | 31025 | 27/100 |
| 3 | 31028 | 27/100 |
| 4 | 31047 | 27/100 |
| 5 | 31088 | 27/100 |
| 6 | 31093 | 27/100 |
| 7 | 31098 | 27/100 |
| 8 | 31069 | 26/100 |
| 9 | 31091 | 24/100 |
| 10 | 31036 | 20/100 |
| 11 | 31008 | 19/100 |
| 12 | 31030 | 19/100 |
Most distressed Houston, GA ZIPs (0-100, 2026)
Mortgage delinquency in Houston, GA
1.3% of Houston, GA mortgages were ninety-plus days late (Houston, GA, December 2025); Houston, GA thirty-to-eighty-nine days late: 2.8%; Houston, GA twelve-month change 0.0%; Houston, GA peak since 2008: 3.6% (October 2009); Georgia overall 1.3%. Houston, GA ninety-day series: Dec 24 1.3, Jan 25 1.6, Feb 25 1.6 (Houston, GA), Mar 25 1.4, Apr 25 1.3, May 25 1.2 (Houston, GA), Jun 25 1.5, Jul 25 1.4, Aug 25 1.0 (Houston, GA), Sep 25 0.8, Oct 25 0.9, Nov 25 1.2 (Houston, GA), Dec 25 1.3.
Opportunity index: Houston, GA
Houston, GA index 28.0, Houston, GA phase early_signal; Houston, GA primary driver bank institutional, Houston, GA second driver construction. Houston, GA components: property stress 20.9, foreclosure pressure 16.3, listing discounts 23.1, bank stress 59.1, insurance 0.0; Houston, GA pulse 32.2; Houston, GA capital opportunity 21.6; Houston, GA seven-day change +0.4%.
ZIP market phases inside Houston, GA
12 Houston, GA ZIPs carry a price-cycle phase; Houston, GA ZIPs by phase (Houston, GA), deepest drawdown first: expansion, +5.9% YoY (Houston, GA): 31005, 31025, 31028, 31047, Houston, GA 31088, 31093, 31098; peak, +4.2% YoY (Houston, GA): 31008; peak, +3.9% YoY (Houston, GA): 31030; peak, +3.0% YoY (Houston, GA): 31036; expansion, +5.8% YoY (Houston, GA): 31069; peak, +2.5% YoY (Houston, GA): 31091.
Residential listings by Houston, GA ZIP
Houston, GA ZIPs with the most tracked Houston, GA residential listings: 31093 5 listings, 0 candidates, bank pressure 62; 31005 2 listings, 0 candidates, bank pressure 62; 31088 2 listings, 0 candidates, bank pressure 62; 31028 1 listings, 0 candidates, bank pressure 62 (Houston, GA); 31047 1 listings, 0 candidates, bank pressure 62; 31069 1 listings, 0 candidates, bank pressure 60; 31025 0 listings, 0 candidates, bank pressure 62; 31098 0 listings, 0 candidates, bank pressure 62. Houston, GA totals: 12 listings; Houston, GA candidates 0; active ZIPs 6.
HUD assisted housing in Houston, GA
8 assisted properties with 492 units sit in Houston, GA; largest Houston, GA properties: Hampton Place Apartments (Perry) 152 units; Tupelo Ridge (Warner Robins) 92 units; Gateway Pointe (Warner Robins) 90 units in Houston, GA; Potemkin Senior Village (Warner Robins) 68 units; Smith Heights Apartments (Perry) 50 units, 50 assisted; Springfield Gardens Apartments (Warner Robins) 23 units, 23 assisted.
Lenders with branches in Houston, GA
Houston, GA lenders by branch count: Vallant Bank (Houston, GA): stress 56, 3 branches low in Houston, GA; Sunmark Community Bank (Houston, GA): stress 23, 3 branches low in Houston, GA; Colony Bank (Houston, GA): stress 65, 2 branches low in Houston, GA; Planters First Bank (Houston, GA): stress 61, 2 branches low in Houston, GA; Bank Of Dudley (Houston, GA): stress 74, 1 branch low in Houston, GA; American Pride Bank (Houston, GA): stress 73, 1 branch low in Houston, GA; Peoplessouth Bank (Houston, GA): stress 71, 1 branch low in Houston, GA.
Vacancy and permits, Houston, GA
5,972 of 69,823 Houston, GA housing units are vacant; Houston, GA permits, twelve months: 113 multifamily units in Houston, GA, 1,107 one-to-four unit units.
Work Houston, GA at the parcel level
Every Houston, GA parcel carries owner and address; every Houston, GA parcel carries APN; Houston, GA distress scores sit on the Houston, GA live board.
Houston, GA figures refresh with each source.
Houston, GA questions
Most distressed ZIP code in Houston County, GA?
ZIP 31005 leads Houston, GA at 27/100; next in Houston, GA: 31025 at 27/100; the Houston, GA average is 25/100.
Where does Houston County, GA rank for investment opportunity?
Houston, GA is #1,905 among all ranked counties, #131 in Georgia; the Houston, GA driver is bank institutional; Houston, GA moved down 126 places.
How many mortgages are delinquent in Houston County, GA?
1.3% of Houston, GA mortgages were ninety-plus days late in December 2025; the Houston, GA peak since 2008 was 3.6%.
Which banks lend in Houston County, GA?
7 watched lenders hold Houston, GA branches; the largest Houston, GA footprints are Vallant Bank (3), Sunmark Community Bank (3), Colony Bank (2).
More on Houston, GA
Houston County, GA distress report: public-record figures for Houston, GA; not legal advice for Houston, GA; not tax or investment advice; verify every Houston, GA record before acting.