Louisa County, VA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Louisa County, Virginia? DLRadar grades every Louisa County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 27/100. Here is the 2026 Louisa County breakdown.
- Louisa County's most distressed ZIP is 22947 at 27/100.
- 12 ZIP codes tracked in Louisa County, averaging 16/100 distress.
- Louisa County reads expansion — home values up 5.5% year over year.
- Vacancy runs 10% across Louisa County's tracked ZIPs, with a 8.1% poverty rate.
- The typical Louisa County home is worth about $407,667 against a ~$93,922 median income.
- Lending headwind in Louisa County sits at 43/100 — a forward read on distressed supply.
Source: the DLRadar property-distress index, rebuilt monthly from public records. Cite it freely with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 22947 | 27/100 |
| 2 | 23192 | 23/100 |
| 3 | 23015 | 22/100 |
| 4 | 22942 | 16/100 |
| 5 | 23024 | 14/100 |
| 6 | 23065 | 13/100 |
| 7 | 23102 | 13/100 |
| 8 | 23117 | 13/100 |
| 9 | 23153 | 13/100 |
| 10 | 23093 | 12/100 |
| 11 | 22974 | 10/100 |
| 12 | 23084 | 10/100 |
Most distressed ZIP codes in Louisa County (composite distress 0-100, 2026)
What is driving Louisa County distress
Louisa County's placement in the national index rests on public filings — a 16/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Louisa County market phase and pricing
Louisa County reads expansion — home prices rose 5.5% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
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Questions and answers
What is the hardest-hit ZIP in Louisa County?
ZIP 22947 leads Louisa County at 27/100, recomputed monthly from public records.
What market phase is Louisa County in?
Louisa County currently sits in expansion, with values up 5.5% year on year, based on FHFA price-index trajectory.
What is this Louisa County analysis built from?
The inputs are all public: FHFA for the expansion path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 12 ZIP codes in Louisa County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Louisa County ZIP codes?
Averaging the county conceals how uneven it is. Across the Louisa County ZIPs DLRadar ranks, scores run from 27/100 in 22947 down to 10/100 in 23084, against a Louisa County average of 16/100. Those 17 points separate the ZIPs worth working in Louisa County from the rest.
What do Louisa County home values and vacancy say about distressed supply?
The typical Louisa County home carries about $407,667 of value against a median household income near $93,922. Vacancy across Louisa County's tracked ZIPs runs 10% and the poverty rate is 8.1%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Louisa County's foreclosure and lien filings and its 43/100 lending headwind.
Related
These scores come from public filings run through fixed formulas. Nothing here is investment, legal or financial advice; the index refreshes monthly.