Madison County, VA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Madison County, VA distress report, 2026: 22 ZIPs scored in Madison, VA, Madison, VA average 16/100; the top Madison, VA ZIP is 22973 at 19/100; Madison, VA market phase expansion, Madison, VA prices +5.5% year over year.
- Madison, VA ranks #2,215 nationally (opportunity index); Madison, VA #64 in Virginia; Madison, VA index 27.0.
- Madison, VA: no CFPB county sample; Madison, VA non-metro area reading 1.2%.
- Madison, VA ZIP phases: 15 expansion, 7 peak.
- Madison, VA residential listings tracked: 3 across 16 ZIPs; Madison, VA candidate listings 2.
- Madison, VA lenders on watch: 1; largest Madison, VA footprint Atlantic Union Bank (1 branch).
- Madison, VA most distressed ZIP: 22973 at 19/100.
Madison, VA figures: DLRadar distress index; Madison, VA inputs: CFPB, FHFA, HUD, FDIC; Madison, VA rebuilt as sources refresh.
| Rank | Madison, VA ZIP | Score |
|---|---|---|
| 1 | 22973 | 19/100 |
| 2 | 22960 | 18/100 |
| 3 | 22972 | 18/100 |
| 4 | 22733 | 17/100 |
| 5 | 22701 | 16/100 |
| 6 | 22709 | 16/100 |
| 7 | 22711 | 16/100 |
| 8 | 22715 | 16/100 |
| 9 | 22719 | 16/100 |
| 10 | 22722 | 16/100 |
| 11 | 22723 | 16/100 |
| 12 | 22725 | 16/100 |
Most distressed Madison, VA ZIPs (0-100, 2026)
Mortgage delinquency around Madison, VA
No CFPB county sample covers Madison, VA; the non-metro area reading for Madison, VA: 1.2% ninety-plus; Madison, VA area thirty-to-eighty-nine 3.0% (December 2025, Madison, VA); Virginia overall 0.8%.
Opportunity index: Madison, VA
Madison, VA index 27.0, Madison, VA phase weak; Madison, VA primary driver construction, Madison, VA second driver bank institutional. Madison, VA components: property stress 17.6, foreclosure pressure 17.6, listing discounts 17.6, bank stress 45.3, insurance 0.0; Madison, VA pulse 30.7; Madison, VA capital opportunity 21.5.
ZIP market phases inside Madison, VA
22 Madison, VA ZIPs carry a price-cycle phase; Madison, VA ZIPs by phase (Madison, VA), deepest drawdown first: peak, +3.5% YoY (Madison, VA): 22701; expansion, +5.5% YoY (Madison, VA): 22709, 22711, 22715, 22719, Madison, VA 22722, 22723, 22725, 22727, Madison, VA 22730, 22731, 22732, 22738; peak, +3.4% YoY (Madison, VA): 22733, 22740; peak, +4.7% YoY (Madison, VA): 22735.
Residential listings by Madison, VA ZIP
Madison, VA ZIPs with the most tracked Madison, VA residential listings: 22727 3 listings, 2 candidates, bank pressure 53; 22709 0 listings, 0 candidates, bank pressure 53; 22711 0 listings, 0 candidates, bank pressure 53; 22715 0 listings, 0 candidates, bank pressure 53 (Madison, VA); 22719 0 listings, 0 candidates, bank pressure 53; 22722 0 listings, 0 candidates, bank pressure 53; 22723 0 listings, 0 candidates, bank pressure 53; 22725 0 listings, 0 candidates, bank pressure 53. Madison, VA totals: 3 listings; Madison, VA candidates 2; active ZIPs 1.
Lenders with branches in Madison, VA
Madison, VA lenders by branch count: Atlantic Union Bank (Madison, VA): stress 40, 1 branch low in Madison, VA.
Vacancy and permits, Madison, VA
658 of 6,140 Madison, VA housing units are vacant; Madison, VA permits, twelve months: 0 multifamily units in Madison, VA, 45 one-to-four unit units.
Work Madison, VA at the parcel level
Every Madison, VA parcel carries owner and address; every Madison, VA parcel carries APN; Madison, VA distress scores sit on the Madison, VA live board.
Madison, VA figures refresh with each source.
Madison, VA questions
Most distressed ZIP code in Madison County, VA?
ZIP 22973 leads Madison, VA at 19/100; next in Madison, VA: 22960 at 18/100; the Madison, VA average is 16/100.
Where does Madison County, VA rank for investment opportunity?
Madison, VA is #2,215 among all ranked counties, #64 in Virginia; the Madison, VA driver is construction; Madison, VA moved down 68 places.
How many mortgages are delinquent in Madison County, VA?
Madison, VA takes the non-metro area reading of 1.2% for December 2025; no CFPB county sample covers Madison, VA.
Which banks lend in Madison County, VA?
1 watched lenders hold Madison, VA branches; the largest Madison, VA footprints are Atlantic Union Bank (1).
More on Madison, VA
Madison County, VA distress report: public-record figures for Madison, VA; not legal advice for Madison, VA; not tax or investment advice; verify every Madison, VA record before acting.