James City County, VA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in James City County, Virginia? DLRadar grades every James City County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 20/100. Here is the 2026 James City County breakdown.
- James City County's most distressed ZIP is 23081 at 20/100.
- 5 ZIP codes tracked in James City County, averaging 18/100 distress.
- James City County reads peak — home values up 3.4% year over year.
- Vacancy runs 7.9% across James City County's tracked ZIPs, with a 6.8% poverty rate.
- The typical James City County home is worth about $426,225 against a ~$104,423 median income.
- Lending headwind in James City County sits at 44/100 — a forward read on distressed supply.
All numbers: DLRadar's monthly public-record distress index. Reuse is welcome with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 23081 | 20/100 |
| 2 | 23168 | 20/100 |
| 3 | 23188 | 20/100 |
| 4 | 23185 | 18/100 |
| 5 | 23089 | 14/100 |
Most distressed ZIP codes in James City County (composite distress 0-100, 2026)
What is driving James City County distress
Nothing here is estimated: James City County is scored from filings alone, and its ZIPs average 18/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
James City County market phase and pricing
James City County currently sits in peak after a 3.4% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
See the distressed properties behind the data in James City County
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Frequently asked questions
Which part of James City County, VA scores highest for distress?
ZIP 23081 leads James City County at 20/100, recomputed monthly from public records.
How would you describe the James City County market phase?
The market phase for James City County is peak, prices rising 3.4% on the year — derived from the FHFA House Price Index path.
Where does the James City County data come from?
Each James City 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 5 local ZIPs and every other county in the country.
How much do distress scores vary between James City County ZIP codes?
A county average hides the spread. Across the James City County ZIPs DLRadar ranks, scores run from 20/100 in 23081 down to 14/100 in 23089, against a James City County average of 18/100. That 6-point gap is why acquisition targeting in James City County works at ZIP level rather than county level.
What do James City County home values and vacancy say about distressed supply?
The typical James City County home carries about $426,225 of value against a median household income near $104,423. Vacancy across James City County's tracked ZIPs runs 7.9% and the poverty rate is 6.8%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside James City County's foreclosure and tax-lien filings and its 44/100 lending headwind.
Related
DLRadar scores property distress from public records by deterministic formulas — not investment, legal, or financial advice. Figures refresh monthly from the live index.