Northumberland County, VA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Northumberland County, Virginia? DLRadar grades every Northumberland County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 17/100. Here is the 2026 Northumberland County breakdown.
- Northumberland County's most distressed ZIP is 22503 at 17/100.
- 7 ZIP codes tracked in Northumberland County, averaging 11/100 distress.
- Northumberland County reads expansion — home values up 5.5% year over year.
- Vacancy runs 33.2% across Northumberland County's tracked ZIPs, with a 11.8% poverty rate.
- The typical Northumberland County home is worth about $305,067 against a ~$67,985 median income.
- Lending headwind in Northumberland County sits at 23/100 — a forward read on distressed supply.
Source: the DLRadar property-distress index, rebuilt monthly from public records. Cite it freely with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 22503 | 17/100 |
| 2 | 22482 | 13/100 |
| 3 | 22432 | 9/100 |
| 4 | 22435 | 9/100 |
| 5 | 22473 | 9/100 |
| 6 | 22511 | 9/100 |
| 7 | 22539 | 9/100 |
Most distressed ZIP codes in Northumberland County (composite distress 0-100, 2026)
What is driving Northumberland County distress
Nothing here is estimated: Northumberland County is scored from filings alone, and its ZIPs average 11/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Northumberland County market phase and pricing
Northumberland County reads expansion — home prices rose 5.5% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Northumberland County
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Questions and answers
Where is distress highest inside Northumberland County, VA?
ZIP 22503 leads Northumberland County at 17/100, recomputed monthly from public records.
What market phase is Northumberland County in?
Northumberland County reads expansion, with home prices up 5.5% year over year. Phase comes from FHFA House Price Index trajectory.
Where does the Northumberland County data come from?
Northumberland County draws on FHFA (expansion trajectory), CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS — every one a public source. The scoring model does not change between counties, so these 7 ZIPs are comparable to anywhere else.
How much do distress scores vary between Northumberland County ZIP codes?
One county number flattens a wide range. Across the Northumberland County ZIPs DLRadar ranks, scores run from 17/100 in 22503 down to 9/100 in 22539, against a Northumberland County average of 11/100. The 8-point range is the argument for ZIP-level search across Northumberland County.
What do Northumberland County home values and vacancy say about distressed supply?
The typical Northumberland County home carries about $305,067 of value against a median household income near $67,985. Vacancy across Northumberland County's tracked ZIPs runs 33.2% and the poverty rate is 11.8%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Northumberland County's foreclosure and tax-lien filings and its 23/100 lending headwind.
Related
A deterministic scoring of public filings. Nothing on this page constitutes investment, legal or financial advice. Monthly refresh from the live index.