Lowndes County, GA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Lowndes County, GA distress report, 2026: 11 ZIPs scored in Lowndes, GA, Lowndes, GA average 29/100; the top Lowndes, GA ZIP is 31601 at 33/100; Lowndes, GA market phase expansion, Lowndes, GA prices +8.0% year over year.
- Lowndes, GA ranks #1,492 nationally (opportunity index); Lowndes, GA #113 in Georgia; Lowndes, GA index 29.5.
- Lowndes, GA: no CFPB county sample; Lowndes, GA non-metro area reading 1.3%.
- Lowndes, GA ZIP phases: 10 expansion, 1 peak.
- Lowndes, GA residential listings tracked: 7 across 8 ZIPs; Lowndes, GA candidate listings 5.
- Lowndes, GA HUD assisted properties: 7 with 552 units.
- Lowndes, GA lenders on watch: 8; largest Lowndes, GA footprint First Fs&La Of Valdosta (4 branches).
- Lowndes, GA most distressed ZIP: 31601 at 33/100.
Lowndes, GA figures: DLRadar distress index; Lowndes, GA inputs: CFPB, FHFA, HUD, FDIC; Lowndes, GA rebuilt as sources refresh.
| Rank | Lowndes, GA ZIP | Score |
|---|---|---|
| 1 | 31601 | 33/100 |
| 2 | 31605 | 33/100 |
| 3 | 31698 | 33/100 |
| 4 | 31699 | 33/100 |
| 5 | 31606 | 32/100 |
| 6 | 31632 | 31/100 |
| 7 | 31602 | 30/100 |
| 8 | 31641 | 28/100 |
| 9 | 31636 | 26/100 |
| 10 | 31645 | 24/100 |
| 11 | 31635 | 21/100 |
Most distressed Lowndes, GA ZIPs (0-100, 2026)
Mortgage delinquency around Lowndes, GA
No CFPB county sample covers Lowndes, GA; the non-metro area reading for Lowndes, GA: 1.3% ninety-plus; Lowndes, GA area thirty-to-eighty-nine 3.0% (December 2025, Lowndes, GA); Georgia overall 1.3%.
Opportunity index: Lowndes, GA
Lowndes, GA index 29.5, Lowndes, GA phase early_signal; Lowndes, GA primary driver construction, Lowndes, GA second driver vacancy. Lowndes, GA components: property stress 29.2, foreclosure pressure 25.7, listing discounts 18.9, bank stress 48.9, insurance 0.0; Lowndes, GA pulse 33.5; Lowndes, GA capital opportunity 23.6; Lowndes, GA seven-day change +0.4%.
ZIP market phases inside Lowndes, GA
11 Lowndes, GA ZIPs carry a price-cycle phase; Lowndes, GA ZIPs by phase (Lowndes, GA), deepest drawdown first: expansion, +6.7% YoY, 0.0% off peak (Lowndes, GA): 31635; expansion, +8.0% YoY (Lowndes, GA): 31601, 31602, 31605, 31606, Lowndes, GA 31636, 31641, 31698, 31699; expansion, +6.8% YoY (Lowndes, GA): 31632; peak, +4.2% YoY (Lowndes, GA): 31645.
Residential listings by Lowndes, GA ZIP
Lowndes, GA ZIPs with the most tracked Lowndes, GA residential listings: 31602 2 listings, 1 candidates, bank pressure 60; 31632 2 listings, 1 candidates, bank pressure 58; 31641 2 listings, 2 candidates, bank pressure 59; 31605 1 listings, 1 candidates, bank pressure 59 (Lowndes, GA); 31601 0 listings, 0 candidates, bank pressure 60; 31606 0 listings, 0 candidates, bank pressure 59; 31698 0 listings, 0 candidates, bank pressure 59; 31699 0 listings, 0 candidates, bank pressure 59. Lowndes, GA totals: 7 listings; Lowndes, GA candidates 5; active ZIPs 4.
HUD assisted housing in Lowndes, GA
7 assisted properties with 552 units sit in Lowndes, GA; largest Lowndes, GA properties: Evergreen At Five Points (Valdosta) 264 units; Azalea Towers (Valdosta) 101 units, 100 assisted; The Gardens (Valdosta) 62 units in Lowndes, GA; Ashley House Apartments (Valdosta) 61 units, 61 assisted; Sands Horizon, Inc. (Valdosta) 30 units, 30 assisted; Sands Horizon Ii (Valdosta) 29 units, 29 assisted.
Lenders with branches in Lowndes, GA
Lowndes, GA lenders by branch count: First Fs&La Of Valdosta (Lowndes, GA): stress 66, 4 branches low in Lowndes, GA; Citizens Community Bank (Lowndes, GA): stress 72, 3 branches low in Lowndes, GA; Guardian Bank (Lowndes, GA): stress 64, 3 branches low in Lowndes, GA; Commercial Banking Co (Lowndes, GA): stress 54, 3 branches low in Lowndes, GA; Farmers&Merchants Bank (Lowndes, GA): stress 63, 2 branches low in Lowndes, GA; Colony Bank (Lowndes, GA): stress 65, 1 branch low in Lowndes, GA; Community Bank Of Georgia (Lowndes, GA): stress 53, 1 branch low in Lowndes, GA; Ameris Bank (Lowndes, GA): stress 51, 1 branch low in Lowndes, GA.
Vacancy and permits, Lowndes, GA
5,344 of 51,450 Lowndes, GA housing units are vacant; Lowndes, GA permits, twelve months: 0 multifamily units in Lowndes, GA, 788 one-to-four unit units.
Work Lowndes, GA at the parcel level
Every Lowndes, GA parcel carries owner and address; every Lowndes, GA parcel carries APN; Lowndes, GA distress scores sit on the Lowndes, GA live board.
Lowndes, GA figures refresh with each source.
Lowndes, GA questions
Most distressed ZIP code in Lowndes County, GA?
ZIP 31601 leads Lowndes, GA at 33/100; next in Lowndes, GA: 31605 at 33/100; the Lowndes, GA average is 29/100.
Where does Lowndes County, GA rank for investment opportunity?
Lowndes, GA is #1,492 among all ranked counties, #113 in Georgia; the Lowndes, GA driver is construction; Lowndes, GA moved up 49 places.
How many mortgages are delinquent in Lowndes County, GA?
Lowndes, GA takes the non-metro area reading of 1.3% for December 2025; no CFPB county sample covers Lowndes, GA.
Which banks lend in Lowndes County, GA?
8 watched lenders hold Lowndes, GA branches; the largest Lowndes, GA footprints are First Fs&La Of Valdosta (4), Citizens Community Bank (3), Guardian Bank (3).
More on Lowndes, GA
Lowndes County, GA distress report: public-record figures for Lowndes, GA; not legal advice for Lowndes, GA; not tax or investment advice; verify every Lowndes, GA record before acting.