Stafford County, VA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Stafford County, VA distress report, 2026: 5 ZIPs scored in Stafford, VA, Stafford, VA average 15/100; the top Stafford, VA ZIP is 22134 at 16/100; Stafford, VA market phase peak, Stafford, VA prices +3.4% year over year.
- Stafford, VA ranks #3,050 nationally (opportunity index); Stafford, VA #116 in Virginia; Stafford, VA index 22.6.
- Stafford, VA ninety-day mortgage delinquency 0.9% in December 2025; Stafford, VA twelve-month change +0.6%.
- Stafford, VA ZIP phases: 5 peak.
- Stafford, VA residential listings tracked: 43 across 5 ZIPs; Stafford, VA candidate listings 10.
- Stafford, VA HUD assisted properties: 7 with 466 units.
- Stafford, VA lenders on watch: 4; largest Stafford, VA footprint Carter Bank&Trust (3 branches).
- Stafford, VA most distressed ZIP: 22134 at 16/100.
Stafford, VA figures: DLRadar distress index; Stafford, VA inputs: CFPB, FHFA, HUD, FDIC; Stafford, VA rebuilt as sources refresh.
| Rank | Stafford, VA ZIP | Score |
|---|---|---|
| 1 | 22134 | 16/100 |
| 2 | 22405 | 15/100 |
| 3 | 22406 | 15/100 |
| 4 | 22554 | 15/100 |
| 5 | 22556 | 15/100 |
Most distressed Stafford, VA ZIPs (0-100, 2026)
Mortgage delinquency in Stafford, VA
0.9% of Stafford, VA mortgages were ninety-plus days late (Stafford, VA, December 2025); Stafford, VA thirty-to-eighty-nine days late: 1.4%; Stafford, VA twelve-month change +0.6%; Stafford, VA peak since 2008: 4.4% (November 2009); Virginia overall 0.8%. Stafford, VA ninety-day series: Dec 24 0.3, Jan 25 0.4, Feb 25 0.7 (Stafford, VA), Mar 25 0.5, Apr 25 0.5, May 25 0.3 (Stafford, VA), Jun 25 0.4, Jul 25 0.5, Aug 25 0.7 (Stafford, VA), Sep 25 0.7, Oct 25 0.6, Nov 25 0.6 (Stafford, VA), Dec 25 0.9.
Opportunity index: Stafford, VA
Stafford, VA index 22.6, Stafford, VA phase weak; Stafford, VA primary driver bank institutional, Stafford, VA second driver listings discount. Stafford, VA components: property stress 8.0, foreclosure pressure 5.9, listing discounts 34.0, bank stress 53.4, insurance 0.0; Stafford, VA pulse 21.3; Stafford, VA capital opportunity 24.6.
ZIP market phases inside Stafford, VA
5 Stafford, VA ZIPs carry a price-cycle phase; Stafford, VA ZIPs by phase (Stafford, VA), deepest drawdown first: peak, +3.4% YoY (Stafford, VA): 22134, 22405, 22406, 22554, Stafford, VA 22556.
Residential listings by Stafford, VA ZIP
Stafford, VA ZIPs with the most tracked Stafford, VA residential listings: 22554 23 listings, 3 candidates, bank pressure 55; 22406 11 listings, 3 candidates, bank pressure 57; 22405 5 listings, 3 candidates, bank pressure 55; 22556 4 listings, 1 candidates, bank pressure 57 (Stafford, VA); 22134 0 listings, 0 candidates, bank pressure 57. Stafford, VA totals: 43 listings; Stafford, VA candidates 10; active ZIPs 4.
HUD assisted housing in Stafford, VA
7 assisted properties with 466 units sit in Stafford, VA; largest Stafford, VA properties: Abberly At Stafford (Stafford) 288 units; Garrison Woods (Stafford County) 131 units, 130 assisted; Mckendree Manor (Fredericksburg) 23 units, 23 assisted in Stafford, VA; Galveston Road Group Home (Fredericksburg) 6 units, 6 assisted; Leeland Road Group Home (Fredericksburg) 6 units, 6 assisted; New Hope Estate Group Homes (Fredericksburg) 6 units, 6 assisted.
Lenders with branches in Stafford, VA
Stafford, VA lenders by branch count: Carter Bank&Trust (Stafford, VA): stress 35, 3 branches moderate in Stafford, VA; Citizens&Farmers Bank (Stafford, VA): stress 59, 1 branch low in Stafford, VA; Atlantic Union Bank (Stafford, VA): stress 40, 1 branch low in Stafford, VA; United Bank (Stafford, VA): stress 36, 1 branch moderate in Stafford, VA.
Vacancy and permits, Stafford, VA
2,333 of 54,659 Stafford, VA housing units are vacant; Stafford, VA permits, twelve months: 0 multifamily units in Stafford, VA, 621 one-to-four unit units.
Work Stafford, VA at the parcel level
Every Stafford, VA parcel carries owner and address; every Stafford, VA parcel carries APN; Stafford, VA distress scores sit on the Stafford, VA live board.
Stafford, VA figures refresh with each source.
Stafford, VA questions
Most distressed ZIP code in Stafford County, VA?
ZIP 22134 leads Stafford, VA at 16/100; next in Stafford, VA: 22405 at 15/100; the Stafford, VA average is 15/100.
Where does Stafford County, VA rank for investment opportunity?
Stafford, VA is #3,050 among all ranked counties, #116 in Virginia; the Stafford, VA driver is bank institutional; Stafford, VA moved up 133 places.
How many mortgages are delinquent in Stafford County, VA?
0.9% of Stafford, VA mortgages were ninety-plus days late in December 2025; the Stafford, VA peak since 2008 was 4.4%.
Which banks lend in Stafford County, VA?
4 watched lenders hold Stafford, VA branches; the largest Stafford, VA footprints are Carter Bank&Trust (3), Citizens&Farmers Bank (1), Atlantic Union Bank (1).
More on Stafford, VA
Stafford County, VA distress report: public-record figures for Stafford, VA; not legal advice for Stafford, VA; not tax or investment advice; verify every Stafford, VA record before acting.