Nelson County, VA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Nelson County, VA distress report, 2026: 18 ZIPs scored in Nelson, VA, Nelson, VA average 20/100; the top Nelson, VA ZIP is 22952 at 26/100; Nelson, VA market phase peak, Nelson, VA prices +3.6% year over year.
- Nelson, VA ranks #1,659 nationally (opportunity index); Nelson, VA #38 in Virginia; Nelson, VA index 28.9.
- Nelson, VA: no CFPB county sample; Nelson, VA metro area reading 0.4%.
- Nelson, VA ZIP phases: 15 peak, 2 neutral, 1 expansion.
- Nelson, VA residential listings tracked: 8 across 12 ZIPs; Nelson, VA candidate listings 4.
- Nelson, VA lenders on watch: 2; largest Nelson, VA footprint Bank Of The James (1 branch).
- Nelson, VA most distressed ZIP: 22952 at 26/100.
Nelson, VA figures: DLRadar distress index; Nelson, VA inputs: CFPB, FHFA, HUD, FDIC; Nelson, VA rebuilt as sources refresh.
| Rank | Nelson, VA ZIP | Score |
|---|---|---|
| 1 | 22952 | 26/100 |
| 2 | 22969 | 25/100 |
| 3 | 22920 | 24/100 |
| 4 | 22938 | 22/100 |
| 5 | 22958 | 22/100 |
| 6 | 22922 | 21/100 |
| 7 | 22949 | 21/100 |
| 8 | 22964 | 21/100 |
| 9 | 22971 | 21/100 |
| 10 | 22976 | 21/100 |
| 11 | 24464 | 21/100 |
| 12 | 24581 | 21/100 |
Most distressed Nelson, VA ZIPs (0-100, 2026)
Mortgage delinquency around Nelson, VA
No CFPB county sample covers Nelson, VA; the metro area reading for Nelson, VA (Charlottesville, VA): 0.4% ninety-plus; Nelson, VA area thirty-to-eighty-nine 1.2% (December 2025, Nelson, VA); Virginia overall 0.8%.
Opportunity index: Nelson, VA
Nelson, VA index 28.9, Nelson, VA phase early_signal; Nelson, VA primary driver vacancy, Nelson, VA second driver construction. Nelson, VA components: property stress 25.5, foreclosure pressure 27.3, listing discounts 9.5, bank stress 38.6, insurance 0.0; Nelson, VA pulse 34.1; Nelson, VA capital opportunity 21.2; Nelson, VA seven-day change -0.3%.
ZIP market phases inside Nelson, VA
18 Nelson, VA ZIPs carry a price-cycle phase; Nelson, VA ZIPs by phase (Nelson, VA), deepest drawdown first: peak, +3.7% YoY (Nelson, VA): 22920, 24521; peak, +3.6% YoY (Nelson, VA): 22922, 22938, 22949, 22958, Nelson, VA 22964, 22967, 22969, 22971, Nelson, VA 22976, 24464; expansion, +6.5% YoY (Nelson, VA): 22952; peak, +4.8% YoY (Nelson, VA): 24483; peak, +4.5% YoY (Nelson, VA): 24553; neutral, +4.8% YoY (Nelson, VA): 24562.
Residential listings by Nelson, VA ZIP
Nelson, VA ZIPs with the most tracked Nelson, VA residential listings: 22938 2 listings, 1 candidates, bank pressure 59; 22969 2 listings, 1 candidates, bank pressure 59; 22920 1 listings, 0 candidates, bank pressure 58; 22922 1 listings, 1 candidates, bank pressure 60 (Nelson, VA); 22958 1 listings, 1 candidates, bank pressure 57; 24464 1 listings, 0 candidates, bank pressure 60; 22949 0 listings, 0 candidates, bank pressure 60; 22964 0 listings, 0 candidates, bank pressure 60. Nelson, VA totals: 8 listings; Nelson, VA candidates 4; active ZIPs 2.
Lenders with branches in Nelson, VA
Nelson, VA lenders by branch count: Bank Of The James (Nelson, VA): stress 78, 1 branch low in Nelson, VA; Atlantic Union Bank (Nelson, VA): stress 40, 1 branch low in Nelson, VA.
Vacancy and permits, Nelson, VA
3,631 of 9,995 Nelson, VA housing units are vacant; Nelson, VA permits, twelve months: 0 multifamily units in Nelson, VA, 60 one-to-four unit units.
Work Nelson, VA at the parcel level
Every Nelson, VA parcel carries owner and address; every Nelson, VA parcel carries APN; Nelson, VA distress scores sit on the Nelson, VA live board.
Nelson, VA figures refresh with each source.
Nelson, VA questions
Most distressed ZIP code in Nelson County, VA?
ZIP 22952 leads Nelson, VA at 26/100; next in Nelson, VA: 22969 at 25/100; the Nelson, VA average is 20/100.
Where does Nelson County, VA rank for investment opportunity?
Nelson, VA is #1,659 among all ranked counties, #38 in Virginia; the Nelson, VA driver is vacancy; Nelson, VA moved down 378 places.
How many mortgages are delinquent in Nelson County, VA?
Nelson, VA takes the metro area reading of 0.4% for December 2025; no CFPB county sample covers Nelson, VA.
Which banks lend in Nelson County, VA?
2 watched lenders hold Nelson, VA branches; the largest Nelson, VA footprints are Bank Of The James (1), Atlantic Union Bank (1).
More on Nelson, VA
Nelson County, VA distress report: public-record figures for Nelson, VA; not legal advice for Nelson, VA; not tax or investment advice; verify every Nelson, VA record before acting.