Stafford County, VA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Stafford County, Virginia? DLRadar grades every Stafford County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 16/100. Here is the 2026 Stafford County breakdown.
- Stafford County's most distressed ZIP is 22134 at 16/100.
- 5 ZIP codes tracked in Stafford County, averaging 15/100 distress.
- Stafford County reads peak — home values up 3.4% year over year.
- Vacancy runs 5.9% across Stafford County's tracked ZIPs, with a 6% poverty rate.
- The typical Stafford County home is worth about $454,900 against a ~$132,496 median income.
- Lending headwind in Stafford County sits at 55/100 — 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 | 22134 | 16/100 |
| 2 | 22405 | 15/100 |
| 3 | 22406 | 15/100 |
| 4 | 22554 | 15/100 |
| 5 | 22556 | 15/100 |
Most distressed ZIP codes in Stafford County (composite distress 0-100, 2026)
What is driving Stafford County distress
Nothing here is estimated: Stafford County is scored from filings alone, and its ZIPs average 15/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Stafford County market phase and pricing
Phase for Stafford County: peak (+3.4% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Stafford County
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Frequently asked
Which ZIP code leads Stafford County on distress?
ZIP 22134 leads Stafford County at 16/100, recomputed monthly from public records.
Where is Stafford County in the housing cycle?
Stafford County reads peak, with home prices up 3.4% year over year. Phase comes from FHFA House Price Index trajectory.
Can the Stafford County figures be verified?
Stafford County draws on FHFA (peak trajectory), CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS — every one a public source. The scoring model does not change between counties, so these 5 ZIPs are comparable to anywhere else.
How much do distress scores vary between Stafford County ZIP codes?
A county average hides the spread. Across the Stafford County ZIPs DLRadar ranks, scores run from 16/100 in 22134 down to 15/100 in 22556, against a Stafford County average of 15/100. Because the gap runs to 1 points, Stafford County rewards ZIP-level precision.
What do Stafford County home values and vacancy say about distressed supply?
The typical Stafford County home carries about $454,900 of value against a median household income near $132,496. Vacancy across Stafford County's tracked ZIPs runs 5.9% and the poverty rate is 6%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Stafford County's filings and its 55/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.