Louisa County, VA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Louisa County, VA distress report, 2026: 12 ZIPs scored in Louisa, VA, Louisa, VA average 15/100; the top Louisa, VA ZIP is 22947 at 27/100; Louisa, VA market phase expansion, Louisa, VA prices +5.5% year over year.
- Louisa, VA ranks #1,691 nationally (opportunity index); Louisa, VA #42 in Virginia; Louisa, VA index 28.8.
- Louisa, VA: no CFPB county sample; Louisa, VA non-metro area reading 1.2%.
- Louisa, VA ZIP phases: 9 peak, 3 expansion.
- Louisa, VA residential listings tracked: 12 across 4 ZIPs; Louisa, VA candidate listings 7.
- Louisa, VA HUD assisted properties: 5 with 321 units.
- Louisa, VA lenders on watch: 2; largest Louisa, VA footprint Blue Ridge Bank Na (2 branches).
- Louisa, VA most distressed ZIP: 22947 at 27/100.
Louisa, VA figures: DLRadar distress index; Louisa, VA inputs: CFPB, FHFA, HUD, FDIC; Louisa, VA rebuilt as sources refresh.
| Rank | Louisa, VA ZIP | Score |
|---|---|---|
| 1 | 22947 | 27/100 |
| 2 | 23192 | 22/100 |
| 3 | 23015 | 21/100 |
| 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 | 11/100 |
| 12 | 23084 | 10/100 |
Most distressed Louisa, VA ZIPs (0-100, 2026)
Mortgage delinquency around Louisa, VA
No CFPB county sample covers Louisa, VA; the non-metro area reading for Louisa, VA: 1.2% ninety-plus; Louisa, VA area thirty-to-eighty-nine 3.0% (December 2025, Louisa, VA); Virginia overall 0.8%.
Opportunity index: Louisa, VA
Louisa, VA index 28.8, Louisa, VA phase early_signal; Louisa, VA primary driver vacancy, Louisa, VA second driver construction. Louisa, VA components: property stress 14.9, foreclosure pressure 15.8, listing discounts 27.6, bank stress 52.2, insurance 0.0; Louisa, VA pulse 32.2; Louisa, VA capital opportunity 23.6; Louisa, VA seven-day change +0.3%.
ZIP market phases inside Louisa, VA
12 Louisa, VA ZIPs carry a price-cycle phase; Louisa, VA ZIPs by phase (Louisa, VA), deepest drawdown first: peak, +4.5% YoY (Louisa, VA): 22942; peak, +3.7% YoY (Louisa, VA): 22947, 23065; peak, +3.8% YoY (Louisa, VA): 22974; peak, +3.4% YoY (Louisa, VA): 23015; expansion, +5.0% YoY (Louisa, VA): 23024; peak, +3.6% YoY (Louisa, VA): 23084; expansion, +5.4% YoY (Louisa, VA): 23093; peak, +3.5% YoY (Louisa, VA): 23102; expansion, +5.2% YoY (Louisa, VA): 23117; peak, +3.1% YoY (Louisa, VA): 23153; peak, +3.2% YoY (Louisa, VA): 23192.
Residential listings by Louisa, VA ZIP
Louisa, VA ZIPs with the most tracked Louisa, VA residential listings: 23117 5 listings, 1 candidates, bank pressure 59; 23093 4 listings, 3 candidates, bank pressure 57; 23024 2 listings, 2 candidates, bank pressure 57; 22942 1 listings, 1 candidates, bank pressure 60 (Louisa, VA). Louisa, VA totals: 12 listings; Louisa, VA candidates 7; active ZIPs 2.
HUD assisted housing in Louisa, VA
5 assisted properties with 321 units sit in Louisa, VA; largest Louisa, VA properties: Stonegate At The Crossroads (Zion Crossroads) 155 units; Waverly Place Apartments (Louisa) 78 units; Epworth Manor (Louisa) 61 units, 61 assisted in Louisa, VA; Epworth Manor Phase Ii (Louisa) 22 units, 22 assisted; Pine Ridge Drive Group Home (Louisa) 5 units, 5 assisted.
Lenders with branches in Louisa, VA
Louisa, VA lenders by branch count: Blue Ridge Bank Na (Louisa, VA): stress 87, 2 branches low in Louisa, VA; United Bank (Louisa, VA): stress 36, 1 branch low in Louisa, VA.
Vacancy and permits, Louisa, VA
2,805 of 18,366 Louisa, VA housing units are vacant; Louisa, VA permits, twelve months: 0 multifamily units in Louisa, VA, 337 one-to-four unit units.
Work Louisa, VA at the parcel level
Every Louisa, VA parcel carries owner and address; every Louisa, VA parcel carries APN; Louisa, VA distress scores sit on the Louisa, VA live board.
Louisa, VA figures refresh with each source.
Louisa, VA questions
Most distressed ZIP code in Louisa County, VA?
ZIP 22947 leads Louisa, VA at 27/100; next in Louisa, VA: 23192 at 22/100; the Louisa, VA average is 15/100.
Where does Louisa County, VA rank for investment opportunity?
Louisa, VA is #1,691 among all ranked counties, #42 in Virginia; the Louisa, VA driver is vacancy; Louisa, VA moved up 88 places.
How many mortgages are delinquent in Louisa County, VA?
Louisa, VA takes the non-metro area reading of 1.2% for December 2025; no CFPB county sample covers Louisa, VA.
Which banks lend in Louisa County, VA?
2 watched lenders hold Louisa, VA branches; the largest Louisa, VA footprints are Blue Ridge Bank Na (2), United Bank (1).
More on Louisa, VA
Louisa County, VA distress report: public-record figures for Louisa, VA; not legal advice for Louisa, VA; not tax or investment advice; verify every Louisa, VA record before acting.