Richmond County, VA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Richmond County, VA distress report, 2026: 6 ZIPs scored in Richmond, VA, Richmond, VA average 8/100; the top Richmond, VA ZIP is 22520 at 11/100; Richmond, VA market phase expansion, Richmond, VA prices +5.5% year over year.
- Richmond, VA ranks #598 nationally (opportunity index); Richmond, VA #17 in Virginia; Richmond, VA index 32.9.
- Richmond, VA: no CFPB county sample; Richmond, VA non-metro area reading 1.2%.
- Richmond, VA ZIP phases: 6 expansion.
- Richmond, VA residential listings tracked: 6 across 4 ZIPs; Richmond, VA candidate listings 4.
- Richmond, VA lenders on watch: 3; largest Richmond, VA footprint Atlantic Union Bank (2 branches).
- Richmond, VA most distressed ZIP: 22520 at 11/100.
Richmond, VA figures: DLRadar distress index; Richmond, VA inputs: CFPB, FHFA, HUD, FDIC; Richmond, VA rebuilt as sources refresh.
| Rank | Richmond, VA ZIP | Score |
|---|---|---|
| 1 | 22520 | 11/100 |
| 2 | 22435 | 8/100 |
| 3 | 22460 | 7/100 |
| 4 | 22472 | 7/100 |
| 5 | 22548 | 7/100 |
| 6 | 22572 | 7/100 |
Most distressed Richmond, VA ZIPs (0-100, 2026)
Mortgage delinquency around Richmond, VA
No CFPB county sample covers Richmond, VA; the non-metro area reading for Richmond, VA: 1.2% ninety-plus; Richmond, VA area thirty-to-eighty-nine 3.0% (December 2025, Richmond, VA); Virginia overall 0.8%.
Opportunity index: Richmond, VA
Richmond, VA index 32.9, Richmond, VA phase peak_opportunity; Richmond, VA primary driver vacancy, Richmond, VA second driver construction. Richmond, VA components: property stress 21.6, foreclosure pressure 23.8, listing discounts 35.9, bank stress 50.6, insurance 0.0; Richmond, VA pulse 35.8; Richmond, VA capital opportunity 28.6.
ZIP market phases inside Richmond, VA
6 Richmond, VA ZIPs carry a price-cycle phase; Richmond, VA ZIPs by phase (Richmond, VA), deepest drawdown first: expansion, +5.5% YoY (Richmond, VA): 22435, 22460, 22472, 22520, Richmond, VA 22548, 22572.
Residential listings by Richmond, VA ZIP
Richmond, VA ZIPs with the most tracked Richmond, VA residential listings: 22460 4 listings, 2 candidates, bank pressure 62; 22572 2 listings, 2 candidates, bank pressure 62; 22472 0 listings, 0 candidates, bank pressure 62; 22548 0 listings, 0 candidates, bank pressure 62 (Richmond, VA). Richmond, VA totals: 6 listings; Richmond, VA candidates 4; active ZIPs 0.
Lenders with branches in Richmond, VA
Richmond, VA lenders by branch count: Atlantic Union Bank (Richmond, VA): stress 40, 2 branches low in Richmond, VA; Blue Ridge Bank Na (Richmond, VA): stress 87, 1 branch low in Richmond, VA; Citizens&Farmers Bank (Richmond, VA): stress 59, 1 branch low in Richmond, VA.
Vacancy and permits, Richmond, VA
793 of 3,970 Richmond, VA housing units are vacant; Richmond, VA permits, twelve months: 0 multifamily units in Richmond, VA, 23 one-to-four unit units.
Work Richmond, VA at the parcel level
Every Richmond, VA parcel carries owner and address; every Richmond, VA parcel carries APN; Richmond, VA distress scores sit on the Richmond, VA live board.
Richmond, VA figures refresh with each source.
Richmond, VA questions
Most distressed ZIP code in Richmond County, VA?
ZIP 22520 leads Richmond, VA at 11/100; next in Richmond, VA: 22435 at 8/100; the Richmond, VA average is 8/100.
Where does Richmond County, VA rank for investment opportunity?
Richmond, VA is #598 among all ranked counties, #17 in Virginia; the Richmond, VA driver is vacancy; Richmond, VA moved up 313 places.
How many mortgages are delinquent in Richmond County, VA?
Richmond, VA takes the non-metro area reading of 1.2% for December 2025; no CFPB county sample covers Richmond, VA.
Which banks lend in Richmond County, VA?
3 watched lenders hold Richmond, VA branches; the largest Richmond, VA footprints are Atlantic Union Bank (2), Blue Ridge Bank Na (1), Citizens&Farmers Bank (1).
More on Richmond, VA
Richmond County, VA distress report: public-record figures for Richmond, VA; not legal advice for Richmond, VA; not tax or investment advice; verify every Richmond, VA record before acting.