Spotsylvania County, VA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Spotsylvania County, Virginia? DLRadar grades every Spotsylvania County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 22/100. Here is the 2026 Spotsylvania County breakdown.
- Spotsylvania County's most distressed ZIP is 23015 at 22/100.
- 13 ZIP codes tracked in Spotsylvania County, averaging 17/100 distress.
- Spotsylvania County reads peak — home values up 3.4% year over year.
- Vacancy runs 8.8% across Spotsylvania County's tracked ZIPs, with a 8.1% poverty rate.
- The typical Spotsylvania County home is worth about $375,377 against a ~$105,032 median income.
- Lending headwind in Spotsylvania County sits at 47/100 — a forward read on distressed supply.
Based on DLRadar's public-record distress index, updated every month. Free to cite with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 23015 | 22/100 |
| 2 | 22407 | 20/100 |
| 3 | 22534 | 20/100 |
| 4 | 22551 | 20/100 |
| 5 | 22553 | 20/100 |
| 6 | 22408 | 18/100 |
| 7 | 22508 | 18/100 |
| 8 | 22567 | 18/100 |
| 9 | 22960 | 18/100 |
| 10 | 23024 | 14/100 |
| 11 | 23117 | 13/100 |
| 12 | 22546 | 9/100 |
Most distressed ZIP codes in Spotsylvania County (composite distress 0-100, 2026)
What is driving Spotsylvania County distress
The Spotsylvania County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 17/100 ZIP average. No proprietary or modelled inputs enter the score.
Spotsylvania County market phase and pricing
DLRadar places Spotsylvania County in peak; prices moved up 3.4% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Spotsylvania County
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What people ask
Which part of Spotsylvania County, VA scores highest for distress?
ZIP 23015 leads Spotsylvania County at 22/100, recomputed monthly from public records.
Where is Spotsylvania County in the housing cycle?
Spotsylvania County currently sits in peak, with values up 3.4% year on year, based on FHFA price-index trajectory.
What is this Spotsylvania County analysis built from?
Each Spotsylvania County number can be traced back to a federal or county source — FHFA, CFPB, the recorder, FEMA/NFIP and Census ACS. One deterministic model covers all 13 local ZIPs and every other county in the country.
How much do distress scores vary between Spotsylvania County ZIP codes?
The county figure is a blend, not a description. Across the Spotsylvania County ZIPs DLRadar ranks, scores run from 22/100 in 23015 down to 9/100 in 22546, against a Spotsylvania County average of 17/100. That 13-point gap is why acquisition targeting in Spotsylvania County works at ZIP level rather than county level.
What do Spotsylvania County home values and vacancy say about distressed supply?
The typical Spotsylvania County home carries about $375,377 of value against a median household income near $105,032. Vacancy across Spotsylvania County's tracked ZIPs runs 8.8% and the poverty rate is 8.1%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Spotsylvania County's foreclosure and tax-lien filings and its 47/100 lending headwind.
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Every score is formula-driven and sourced from public records. Treat it as research, not investment, legal or financial advice. Monthly refresh.