Monroe County, GA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Monroe County, Georgia? DLRadar grades every Monroe County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 29/100. Here is the 2026 Monroe County breakdown.
- Monroe County's most distressed ZIP is 31210 at 29/100.
- 10 ZIP codes tracked in Monroe County, averaging 22/100 distress.
- Monroe County reads peak — home values up 1.0% year over year.
- Vacancy runs 12.3% across Monroe County's tracked ZIPs, with a 11.1% poverty rate.
- The typical Monroe County home is worth about $226,278 against a ~$76,391 median income.
- Lending headwind in Monroe County sits at 18/100 — a forward read on distressed supply.
Based on DLRadar's public-record distress index, updated every month. Free to cite with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 31210 | 29/100 |
| 2 | 31220 | 28/100 |
| 3 | 31004 | 24/100 |
| 4 | 31029 | 24/100 |
| 5 | 30204 | 22/100 |
| 6 | 30233 | 22/100 |
| 7 | 31046 | 21/100 |
| 8 | 31016 | 20/100 |
| 9 | 31066 | 17/100 |
| 10 | 31097 | 16/100 |
Most distressed ZIP codes in Monroe County (composite distress 0-100, 2026)
What is driving Monroe County distress
Monroe County's placement in the national index rests on public filings — a 22/100 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.
Monroe County market phase and pricing
The cycle in Monroe County is peak, with values up 1.0% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Monroe County
Keep reading the Monroe County data at no cost, or open a 60-minute exploration to work the actual distressed parcels inside each ZIP.
Card-free · live data across the whole platform for a week.
Questions and answers
Which Monroe County ZIP scores worst for distress?
ZIP 31210 leads Monroe County at 29/100, recomputed monthly from public records.
What stage of the price cycle is Monroe County at?
Phase for Monroe County: peak, tracking a 1.0% gain year over year, read off the FHFA index.
Where does the Monroe County data come from?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 10 Monroe County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Monroe County ZIP codes?
A county average hides the spread. Across the Monroe County ZIPs DLRadar ranks, scores run from 29/100 in 31210 down to 16/100 in 31097, against a Monroe County average of 22/100. Those 13 points separate the ZIPs worth working in Monroe County from the rest.
What do Monroe County home values and vacancy say about distressed supply?
The typical Monroe County home carries about $226,278 of value against a median household income near $76,391. Vacancy across Monroe County's tracked ZIPs runs 12.3% and the poverty rate is 11.1%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Monroe County's foreclosure and lien filings and its 18/100 lending headwind.
Related
Scores here are computed from public records by fixed formulas. Nothing on this page is investment, legal or financial advice; the index refreshes monthly.