Spalding County, GA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Spalding County, GA distress report, 2026: 7 ZIPs scored in Spalding, GA, Spalding, GA average 23/100; the top Spalding, GA ZIP is 30228 at 31/100; Spalding, GA market phase peak, Spalding, GA prices +1.2% year over year.
- Spalding, GA ranks #1,378 nationally (opportunity index); Spalding, GA #96 in Georgia; Spalding, GA index 29.8.
- Spalding, GA: no CFPB county sample; Spalding, GA metro area reading 1.3%.
- Spalding, GA ZIP phases: 7 peak.
- Spalding, GA residential listings tracked: 28 across 3 ZIPs; Spalding, GA candidate listings 13.
- Spalding, GA HUD assisted properties: 2 with 220 units.
- Spalding, GA lenders on watch: 3; largest Spalding, GA footprint First Nb Of Griffin (4 branches).
- Spalding, GA most distressed ZIP: 30228 at 31/100.
Spalding, GA figures: DLRadar distress index; Spalding, GA inputs: CFPB, FHFA, HUD, FDIC; Spalding, GA rebuilt as sources refresh.
| Rank | Spalding, GA ZIP | Score |
|---|---|---|
| 1 | 30228 | 31/100 |
| 2 | 30248 | 29/100 |
| 3 | 30205 | 24/100 |
| 4 | 30223 | 21/100 |
| 5 | 30284 | 21/100 |
| 6 | 30224 | 20/100 |
| 7 | 30292 | 16/100 |
Most distressed Spalding, GA ZIPs (0-100, 2026)
Mortgage delinquency around Spalding, GA
No CFPB county sample covers Spalding, GA; the metro area reading for Spalding, GA (Atlanta-Sandy Springs-Roswell, GA): 1.3% ninety-plus; Spalding, GA area thirty-to-eighty-nine 2.8% (December 2025, Spalding, GA); Georgia overall 1.3%.
Opportunity index: Spalding, GA
Spalding, GA index 29.8, Spalding, GA phase early_signal; Spalding, GA primary driver bank institutional, Spalding, GA second driver construction. Spalding, GA components: property stress 17.6, foreclosure pressure 17.0, listing discounts 38.1, bank stress 56.2, insurance 0.0; Spalding, GA pulse 31.2; Spalding, GA capital opportunity 27.6; Spalding, GA seven-day change +0.3%.
ZIP market phases inside Spalding, GA
7 Spalding, GA ZIPs carry a price-cycle phase; Spalding, GA ZIPs by phase (Spalding, GA), deepest drawdown first: peak, +1.2% YoY, 0.0% off peak (Spalding, GA): 30248, 30205, 30223, 30228, Spalding, GA 30284, 30292; peak, +1.4% YoY, 0.0% off peak (Spalding, GA): 30224.
Residential listings by Spalding, GA ZIP
Spalding, GA ZIPs with the most tracked Spalding, GA residential listings: 30223 21 listings, 11 candidates, bank pressure 60; 30224 7 listings, 2 candidates, bank pressure 56; 30284 0 listings, 0 candidates, bank pressure 61. Spalding, GA totals: 28 listings; Spalding, GA candidates 13; active ZIPs 2.
HUD assisted housing in Spalding, GA
2 assisted properties with 220 units sit in Spalding, GA; largest Spalding, GA properties: Heritage Apartments (Griffin) 120 units, 113 assisted; St. George's Court (Griffin) 100 units, 100 assisted.
Lenders with branches in Spalding, GA
Spalding, GA lenders by branch count: First Nb Of Griffin (Spalding, GA): stress 64, 4 branches low in Spalding, GA; United Bank (Spalding, GA): stress 33, 4 branches low in Spalding, GA; Georgia Banking Co (Spalding, GA): stress 70, 1 branch low in Spalding, GA.
Vacancy and permits, Spalding, GA
2,243 of 28,714 Spalding, GA housing units are vacant; Spalding, GA permits, twelve months: 0 multifamily units in Spalding, GA, 320 one-to-four unit units.
Work Spalding, GA at the parcel level
Every Spalding, GA parcel carries owner and address; every Spalding, GA parcel carries APN; Spalding, GA distress scores sit on the Spalding, GA live board.
Spalding, GA figures refresh with each source.
Spalding, GA questions
Most distressed ZIP code in Spalding County, GA?
ZIP 30228 leads Spalding, GA at 31/100; next in Spalding, GA: 30248 at 29/100; the Spalding, GA average is 23/100.
Where does Spalding County, GA rank for investment opportunity?
Spalding, GA is #1,378 among all ranked counties, #96 in Georgia; the Spalding, GA driver is bank institutional; Spalding, GA moved up 652 places.
How many mortgages are delinquent in Spalding County, GA?
Spalding, GA takes the metro area reading of 1.3% for December 2025; no CFPB county sample covers Spalding, GA.
Which banks lend in Spalding County, GA?
3 watched lenders hold Spalding, GA branches; the largest Spalding, GA footprints are First Nb Of Griffin (4), United Bank (4), Georgia Banking Co (1).
More on Spalding, GA
Spalding County, GA distress report: public-record figures for Spalding, GA; not legal advice for Spalding, GA; not tax or investment advice; verify every Spalding, GA record before acting.