Spalding County, GA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Spalding County, Georgia? DLRadar grades every Spalding County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 30/100. Here is the 2026 Spalding County breakdown.
- Spalding County's most distressed ZIP is 30228 at 30/100.
- 7 ZIP codes tracked in Spalding County, averaging 22/100 distress.
- Spalding County reads peak — home values up 1.2% year over year.
- Vacancy runs 6.1% across Spalding County's tracked ZIPs, with a 10.3% poverty rate.
- The typical Spalding County home is worth about $315,350 against a ~$75,511 median income.
- Lending headwind in Spalding County sits at 32/100 — a forward read on distressed supply.
Compiled from the DLRadar property-distress index and refreshed monthly. Cite with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 30228 | 30/100 |
| 2 | 30248 | 28/100 |
| 3 | 30205 | 23/100 |
| 4 | 30223 | 20/100 |
| 5 | 30224 | 20/100 |
| 6 | 30284 | 20/100 |
| 7 | 30292 | 16/100 |
Most distressed ZIP codes in Spalding County (composite distress 0-100, 2026)
What is driving Spalding County distress
Nothing here is estimated: Spalding County is scored from filings alone, and its ZIPs average 22/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Spalding County market phase and pricing
Phase for Spalding County: peak (+1.2% YoY). As pricing power fades, listings sit longer and sellers become reachable.
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Common questions
What is the most distressed ZIP code in Spalding County, GA?
ZIP 30228 leads Spalding County at 30/100, recomputed monthly from public records.
What stage of the price cycle is Spalding County at?
Spalding County reads peak, with home prices up 1.2% year over year. Phase comes from FHFA House Price Index trajectory.
How is the Spalding County data sourced?
Every Spalding County figure traces to a public source — FHFA House Price Index for the peak trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 7 Spalding County ZIP codes that it runs on every other U.S. county, so Spalding County's numbers are directly comparable to any other market.
How much do distress scores vary between Spalding County ZIP codes?
One county number flattens a wide range. Across the Spalding County ZIPs DLRadar ranks, scores run from 30/100 in 30228 down to 16/100 in 30292, against a Spalding County average of 22/100. That 14-point gap is why acquisition targeting in Spalding County works at ZIP level rather than county level.
What do Spalding County home values and vacancy say about distressed supply?
The typical Spalding County home carries about $315,350 of value against a median household income near $75,511. Vacancy across Spalding County's tracked ZIPs runs 6.1% and the poverty rate is 10.3%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Spalding County's foreclosure and tax-lien filings and its 32/100 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.