James City County, VA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
James City County, VA distress report, 2026: 5 ZIPs scored in James City, VA, James City, VA average 17/100; the top James City, VA ZIP is 23081 at 19/100; James City, VA market phase peak, James City, VA prices +3.4% year over year.
- James City, VA ranks #2,604 nationally (opportunity index); James City, VA #81 in Virginia; James City, VA index 25.4.
- James City, VA: no CFPB county sample; James City, VA metro area reading 1.1%.
- James City, VA ZIP phases: 5 peak.
- James City, VA residential listings tracked: 13 across 4 ZIPs; James City, VA candidate listings 5.
- James City, VA HUD assisted properties: 1 with 67 units.
- James City, VA lenders on watch: 4; largest James City, VA footprint Chesapeake Bank (4 branches).
- James City, VA most distressed ZIP: 23081 at 19/100.
James City, VA figures: DLRadar distress index; James City, VA inputs: CFPB, FHFA, HUD, FDIC; James City, VA rebuilt as sources refresh.
| Rank | James City, VA ZIP | Score |
|---|---|---|
| 1 | 23081 | 19/100 |
| 2 | 23168 | 19/100 |
| 3 | 23188 | 18/100 |
| 4 | 23185 | 17/100 |
| 5 | 23089 | 13/100 |
Most distressed James City, VA ZIPs (0-100, 2026)
Mortgage delinquency around James City, VA
No CFPB county sample covers James City, VA; the metro area reading for James City, VA (Virginia Beach-Chesapeake-Norfolk, VA-NC): 1.1% ninety-plus; James City, VA area thirty-to-eighty-nine 2.3% (December 2025, James City, VA); Virginia overall 0.8%.
Opportunity index: James City, VA
James City, VA index 25.4, James City, VA phase weak; James City, VA primary driver construction, James City, VA second driver bank institutional. James City, VA components: property stress 11.5, foreclosure pressure 9.7, listing discounts 27.5, bank stress 51.1, insurance 0.0; James City, VA pulse 26.9; James City, VA capital opportunity 23.1; James City, VA seven-day change +0.3%.
ZIP market phases inside James City, VA
5 James City, VA ZIPs carry a price-cycle phase; James City, VA ZIPs by phase (James City, VA), deepest drawdown first: peak, +3.4% YoY (James City, VA): 23081, 23168, 23185, 23188; peak, +3.1% YoY (James City, VA): 23089.
Residential listings by James City, VA ZIP
James City, VA ZIPs with the most tracked James City, VA residential listings: 23188 7 listings, 3 candidates, bank pressure 58; 23185 5 listings, 1 candidates, bank pressure 58; 23168 1 listings, 1 candidates, bank pressure 57; 23081 0 listings, 0 candidates, bank pressure 57 (James City, VA). James City, VA totals: 13 listings; James City, VA candidates 5; active ZIPs 3.
HUD assisted housing in James City, VA
1 assisted properties with 67 units sit in James City, VA; largest James City, VA properties: Parker View (Williamsburg) 67 units, 67 assisted.
Lenders with branches in James City, VA
James City, VA lenders by branch count: Chesapeake Bank (James City, VA): stress 53, 4 branches moderate in James City, VA; Citizens&Farmers Bank (James City, VA): stress 59, 2 branches low in James City, VA; Atlantic Union Bank (James City, VA): stress 40, 1 branch moderate in James City, VA; Townebank (James City, VA): stress 36, 1 branch moderate in James City, VA.
Vacancy and permits, James City, VA
2,736 of 34,726 James City, VA housing units are vacant; James City, VA permits, twelve months: 0 multifamily units in James City, VA, 297 one-to-four unit units.
Work James City, VA at the parcel level
Every James City, VA parcel carries owner and address; every James City, VA parcel carries APN; James City, VA distress scores sit on the James City, VA live board.
James City, VA figures refresh with each source.
James City, VA questions
Most distressed ZIP code in James City County, VA?
ZIP 23081 leads James City, VA at 19/100; next in James City, VA: 23168 at 19/100; the James City, VA average is 17/100.
Where does James City County, VA rank for investment opportunity?
James City, VA is #2,604 among all ranked counties, #81 in Virginia; the James City, VA driver is construction; James City, VA moved up 306 places.
How many mortgages are delinquent in James City County, VA?
James City, VA takes the metro area reading of 1.1% for December 2025; no CFPB county sample covers James City, VA.
Which banks lend in James City County, VA?
4 watched lenders hold James City, VA branches; the largest James City, VA footprints are Chesapeake Bank (4), Citizens&Farmers Bank (2), Atlantic Union Bank (1).
More on James City, VA
James City County, VA distress report: public-record figures for James City, VA; not legal advice for James City, VA; not tax or investment advice; verify every James City, VA record before acting.