Richmond County, GA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Richmond County, GA distress report, 2026: 11 ZIPs scored in Richmond, GA, Richmond, GA average 32/100; the top Richmond, GA ZIP is 30813 at 34/100; Richmond, GA market phase neutral, Richmond, GA prices +4.9% year over year.
- Richmond, GA ranks #226 nationally (opportunity index); Richmond, GA #16 in Georgia; Richmond, GA index 35.6.
- Richmond, GA ninety-day mortgage delinquency 1.4% in December 2025; Richmond, GA twelve-month change +0.6%.
- Richmond, GA ZIP phases: 11 neutral.
- Richmond, GA residential listings tracked: 113 across 9 ZIPs; Richmond, GA candidate listings 28.
- Richmond, GA HUD assisted properties: 21 with 1,112 units.
- Richmond, GA lenders on watch: 4; largest Richmond, GA footprint Queensborough Nb&T Co (3 branches).
- Richmond, GA most distressed ZIP: 30813 at 34/100.
Richmond, GA figures: DLRadar distress index; Richmond, GA inputs: CFPB, FHFA, HUD, FDIC; Richmond, GA rebuilt as sources refresh.
| Rank | Richmond, GA ZIP | Score |
|---|---|---|
| 1 | 30813 | 34/100 |
| 2 | 30907 | 34/100 |
| 3 | 30812 | 32/100 |
| 4 | 30901 | 32/100 |
| 5 | 30904 | 32/100 |
| 6 | 30905 | 32/100 |
| 7 | 30906 | 32/100 |
| 8 | 30909 | 32/100 |
| 9 | 30912 | 32/100 |
| 10 | 30815 | 30/100 |
| 11 | 30805 | 29/100 |
Most distressed Richmond, GA ZIPs (0-100, 2026)
Mortgage delinquency in Richmond, GA
1.4% of Richmond, GA mortgages were ninety-plus days late (Richmond, GA, December 2025); Richmond, GA thirty-to-eighty-nine days late: 3.9%; Richmond, GA twelve-month change +0.6%; Richmond, GA peak since 2008: 5.4% (December 2009); Georgia overall 1.3%. Richmond, GA ninety-day series: Dec 24 0.8, Jan 25 1.1, Feb 25 1.3 (Richmond, GA), Mar 25 0.9, Apr 25 1.1, May 25 0.9 (Richmond, GA), Jun 25 1.2, Jul 25 1.2, Aug 25 1.7 (Richmond, GA), Sep 25 1.4, Oct 25 1.2, Nov 25 1.4 (Richmond, GA), Dec 25 1.4.
Opportunity index: Richmond, GA
Richmond, GA index 35.6, Richmond, GA phase peak_opportunity; Richmond, GA primary driver vacancy, Richmond, GA second driver bank institutional. Richmond, GA components: property stress 29.2, foreclosure pressure 30.1, listing discounts 41.2, bank stress 58.7, insurance 0.0; Richmond, GA pulse 39.0; Richmond, GA capital opportunity 30.6; Richmond, GA seven-day change +0.6%.
ZIP market phases inside Richmond, GA
11 Richmond, GA ZIPs carry a price-cycle phase; Richmond, GA ZIPs by phase (Richmond, GA), deepest drawdown first: neutral, +4.9% YoY, 0.5% off peak (Richmond, GA): 30813, 30815, 30805, 30812, Richmond, GA 30901, 30904, 30905, 30906, Richmond, GA 30907, 30909, 30912.
Residential listings by Richmond, GA ZIP
Richmond, GA ZIPs with the most tracked Richmond, GA residential listings: 30906 37 listings, 3 candidates, bank pressure 65; 30909 26 listings, 2 candidates, bank pressure 64; 30815 24 listings, 8 candidates, bank pressure 64; 30904 17 listings, 13 candidates, bank pressure 65 (Richmond, GA); 30901 8 listings, 2 candidates, bank pressure 65; 30805 1 listings, 0 candidates, bank pressure 64; 30812 0 listings, 0 candidates, bank pressure 65; 30905 0 listings, 0 candidates, bank pressure 65. Richmond, GA totals: 113 listings; Richmond, GA candidates 28; active ZIPs 1.
HUD assisted housing in Richmond, GA
21 assisted properties with 1,112 units sit in Richmond, GA; largest Richmond, GA properties: Gardens At Harvest Point Apartments (Augusta) 256 units; River Glen Apts (Augusta) 192 units, 192 assisted; Augusta Manor (Augusta) 100 units, 100 assisted in Richmond, GA; Richmond Villas (Hephzibah) 96 units, 96 assisted; Legacy At Walton Green Apartments Ph Iii (Augusta) 90 units; Augusta Properties (Augusta) 88 units, 88 assisted.
Lenders with branches in Richmond, GA
Richmond, GA lenders by branch count: Queensborough Nb&T Co (Richmond, GA): stress 76, 3 branches low in Richmond, GA; Vallant Bank (Richmond, GA): stress 56, 2 branches low in Richmond, GA; South Georgia Bank (Richmond, GA): stress 58, 1 branch low in Richmond, GA; Ameris Bank (Richmond, GA): stress 51, 1 branch low in Richmond, GA.
Vacancy and permits, Richmond, GA
16,451 of 93,145 Richmond, GA housing units are vacant; Richmond, GA permits, twelve months: 0 multifamily units in Richmond, GA, 557 one-to-four unit units.
Work Richmond, GA at the parcel level
Every Richmond, GA parcel carries owner and address; every Richmond, GA parcel carries APN; Richmond, GA distress scores sit on the Richmond, GA live board.
Richmond, GA figures refresh with each source.
Richmond, GA questions
Most distressed ZIP code in Richmond County, GA?
ZIP 30813 leads Richmond, GA at 34/100; next in Richmond, GA: 30907 at 34/100; the Richmond, GA average is 32/100.
Where does Richmond County, GA rank for investment opportunity?
Richmond, GA is #226 among all ranked counties, #16 in Georgia; the Richmond, GA driver is vacancy; Richmond, GA moved up 232 places.
How many mortgages are delinquent in Richmond County, GA?
1.4% of Richmond, GA mortgages were ninety-plus days late in December 2025; the Richmond, GA peak since 2008 was 5.4%.
Which banks lend in Richmond County, GA?
4 watched lenders hold Richmond, GA branches; the largest Richmond, GA footprints are Queensborough Nb&T Co (3), Vallant Bank (2), South Georgia Bank (1).
More on Richmond, GA
Richmond County, GA distress report: public-record figures for Richmond, GA; not legal advice for Richmond, GA; not tax or investment advice; verify every Richmond, GA record before acting.