Spotsylvania County, VA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Spotsylvania County, VA distress report, 2026: 13 ZIPs scored in Spotsylvania, VA, Spotsylvania, VA average 17/100; the top Spotsylvania, VA ZIP is 23015 at 21/100; Spotsylvania, VA market phase peak, Spotsylvania, VA prices +3.4% year over year.
- Spotsylvania, VA ranks #2,889 nationally (opportunity index); Spotsylvania, VA #100 in Virginia; Spotsylvania, VA index 23.9.
- Spotsylvania, VA ninety-day mortgage delinquency 1.1% in December 2025; Spotsylvania, VA twelve-month change +0.4%.
- Spotsylvania, VA ZIP phases: 9 peak, 4 expansion.
- Spotsylvania, VA residential listings tracked: 32 across 5 ZIPs; Spotsylvania, VA candidate listings 9.
- Spotsylvania, VA HUD assisted properties: 15 with 2,098 units.
- Spotsylvania, VA lenders on watch: 5; largest Spotsylvania, VA footprint Atlantic Union Bank (4 branches).
- Spotsylvania, VA most distressed ZIP: 23015 at 21/100.
Spotsylvania, VA figures: DLRadar distress index; Spotsylvania, VA inputs: CFPB, FHFA, HUD, FDIC; Spotsylvania, VA rebuilt as sources refresh.
| Rank | Spotsylvania, VA ZIP | Score |
|---|---|---|
| 1 | 23015 | 21/100 |
| 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 | 22580 | 10/100 |
Most distressed Spotsylvania, VA ZIPs (0-100, 2026)
Mortgage delinquency in Spotsylvania, VA
1.1% of Spotsylvania, VA mortgages were ninety-plus days late (Spotsylvania, VA, December 2025); Spotsylvania, VA thirty-to-eighty-nine days late: 2.7%; Spotsylvania, VA twelve-month change +0.4%; Spotsylvania, VA peak since 2008: 6.3% (January 2010); Virginia overall 0.8%. Spotsylvania, VA ninety-day series: Dec 24 0.7, Jan 25 0.9, Feb 25 1.4 (Spotsylvania, VA), Mar 25 0.9, Apr 25 0.8, May 25 0.8 (Spotsylvania, VA), Jun 25 0.9, Jul 25 1.2, Aug 25 0.9 (Spotsylvania, VA), Sep 25 1.2, Oct 25 1.2, Nov 25 1.1 (Spotsylvania, VA), Dec 25 1.1.
Opportunity index: Spotsylvania, VA
Spotsylvania, VA index 23.9, Spotsylvania, VA phase weak; Spotsylvania, VA primary driver construction, Spotsylvania, VA second driver bank institutional. Spotsylvania, VA components: property stress 8.2, foreclosure pressure 6.4, listing discounts 27.9, bank stress 49.7, insurance 0.0; Spotsylvania, VA pulse 24.5; Spotsylvania, VA capital opportunity 22.9.
ZIP market phases inside Spotsylvania, VA
13 Spotsylvania, VA ZIPs carry a price-cycle phase; Spotsylvania, VA ZIPs by phase (Spotsylvania, VA), deepest drawdown first: peak, +3.4% YoY (Spotsylvania, VA): 22407, 22508, 22534, 22551, Spotsylvania, VA 22553, 22567, 23015; peak, +3.7% YoY (Spotsylvania, VA): 22408, 22960; expansion, +5.3% YoY (Spotsylvania, VA): 22546, 22580; expansion, +5.0% YoY (Spotsylvania, VA): 23024; expansion, +5.2% YoY (Spotsylvania, VA): 23117.
Residential listings by Spotsylvania, VA ZIP
Spotsylvania, VA ZIPs with the most tracked Spotsylvania, VA residential listings: 22408 12 listings, 0 candidates, bank pressure 58; 22551 9 listings, 4 candidates, bank pressure 60; 22407 8 listings, 4 candidates, bank pressure 60; 22553 3 listings, 1 candidates, bank pressure 59 (Spotsylvania, VA); 22534 0 listings, 0 candidates, bank pressure 59. Spotsylvania, VA totals: 32 listings; Spotsylvania, VA candidates 9; active ZIPs 4.
HUD assisted housing in Spotsylvania, VA
15 assisted properties with 2,098 units sit in Spotsylvania, VA; largest Spotsylvania, VA properties: Allure At Jefferson (Fredericksburg) 338 units; Palmers Creek Apts (Frederickburg) 300 units; Abberly At Southpoint (Fredericksburg) 280 units in Spotsylvania, VA; Brittany Commons Phase Iii (Spotsylvania) 228 units; Aura Towne Center Apartments (Fredericksburg) 215 units; Brittany Commons Apartments Phase 1 (Spotsylvania) 180 units.
Lenders with branches in Spotsylvania, VA
Spotsylvania, VA lenders by branch count: Atlantic Union Bank (Spotsylvania, VA): stress 40, 4 branches low in Spotsylvania, VA; Burke&Herbert Bank&Trust Co (Spotsylvania, VA): stress 62, 2 branches moderate in Spotsylvania, VA; Carter Bank&Trust (Spotsylvania, VA): stress 35, 2 branches low in Spotsylvania, VA; Blue Ridge Bank Na (Spotsylvania, VA): stress 87, 1 branch moderate in Spotsylvania, VA; United Bank (Spotsylvania, VA): stress 36, 1 branch low in Spotsylvania, VA.
Vacancy and permits, Spotsylvania, VA
2,946 of 55,427 Spotsylvania, VA housing units are vacant; Spotsylvania, VA permits, twelve months: 0 multifamily units in Spotsylvania, VA, 630 one-to-four unit units.
Work Spotsylvania, VA at the parcel level
Every Spotsylvania, VA parcel carries owner and address; every Spotsylvania, VA parcel carries APN; Spotsylvania, VA distress scores sit on the Spotsylvania, VA live board.
Spotsylvania, VA figures refresh with each source.
Spotsylvania, VA questions
Most distressed ZIP code in Spotsylvania County, VA?
ZIP 23015 leads Spotsylvania, VA at 21/100; next in Spotsylvania, VA: 22407 at 20/100; the Spotsylvania, VA average is 17/100.
Where does Spotsylvania County, VA rank for investment opportunity?
Spotsylvania, VA is #2,889 among all ranked counties, #100 in Virginia; the Spotsylvania, VA driver is construction; Spotsylvania, VA moved up 185 places.
How many mortgages are delinquent in Spotsylvania County, VA?
1.1% of Spotsylvania, VA mortgages were ninety-plus days late in December 2025; the Spotsylvania, VA peak since 2008 was 6.3%.
Which banks lend in Spotsylvania County, VA?
5 watched lenders hold Spotsylvania, VA branches; the largest Spotsylvania, VA footprints are Atlantic Union Bank (4), Burke&Herbert Bank&Trust Co (2), Carter Bank&Trust (2).
More on Spotsylvania, VA
Spotsylvania County, VA distress report: public-record figures for Spotsylvania, VA; not legal advice for Spotsylvania, VA; not tax or investment advice; verify every Spotsylvania, VA record before acting.