Virginia County Foreclosure & Distress Reports (2026)

One report per county — 129 in Virginia — each scored 0-100 from public foreclosure, tax-lien, mortgage and bank-stress records and refreshed monthly. The live county pages sit under the Virginia distress hub; insurance pressure is on the Virginia home-insurance page.

129 Virginia county reports sit in this archive; Virginia opportunity phases run 80 weak, 30 early_signal, 9 peak_opportunity; Virginia ninety-day delinquency 0.8%; 57 banks chartered in Virginia; 55,359 HUD-assisted Virginia units.

Virginia counties to open first by opportunity rank: Dickenson (#36, strong_buy); Russell (#52, strong_buy); Carroll (#151, strong_buy) in Virginia; Covington (#163, peak_opportunity); Craig (#172, peak_opportunity); Galax (#172, peak_opportunity).

Virginia insurance bands across counties: 64 low in Virginia, 37 zero, 17 medium, 15 high; Virginia NFIP claims 575 in three years.

Virginia counties in the peak phase (74): Albemarle, Alexandria, Amelia, Amherst, Appomattox, Arlington (Virginia), Bedford, Botetourt, Bristol, Campbell, Charles City, Charlottesville (Virginia), Chesapeake, Chesterfield, Clarke, Colonial Heights, Craig, Culpeper (Virginia), Danville, Dinwiddie, Fairfax, Fairfax, Falls Church, Fauquier (Virginia), Fluvanna, Franklin, Fredericksburg, Gloucester, Goochland, Greene (Virginia), Hampton, Hanover, Henrico, Henry, Hopewell, Isle Of Wight (Virginia), James City, King And Queen, King William, Loudoun, Lynchburg, Manassas (Virginia), Manassas Park, Martinsville, Mathews, Nelson, New Kent, Newport News (Virginia), Norfolk, Orange, Petersburg, Pittsylvania, Poquoson, Portsmouth (Virginia), Powhatan, Prince George, Prince William, Rappahannock, Richmond, Roanoke (Virginia), Roanoke, Salem, Scott, Spotsylvania, Stafford, Suffolk (Virginia), Surry, Sussex, Tazewell, Virginia Beach, Warren, Washington (Virginia), Williamsburg, York.

Virginia counties in the expansion phase (57): Accomack, Alleghany, Augusta, Bath, Bland, Brunswick (Virginia), Buchanan, Buckingham, Buena Vista, Caroline, Carroll, Charlotte (Virginia), Covington, Cumberland, Dickenson, Emporia, Essex, Floyd (Virginia), Franklin, Frederick, Galax, Giles, Grayson, Greensville (Virginia), Halifax, Highland, King George, Lancaster, Lee, Lexington (Virginia), Louisa, Lunenburg, Madison, Mecklenburg, Middlesex, Montgomery (Virginia), Northampton, Northumberland, Norton, Nottoway, Page, Patrick (Virginia), Prince Edward, Pulaski, Radford, Richmond, Rockbridge, Russell (Virginia), Shenandoah, Smyth, Southampton, Staunton, Waynesboro, Westmoreland (Virginia), Winchester, Wise, Wythe.

Virginia counties in the neutral phase (2): Harrisonburg, Rockingham.

Virginia permitted 37,520 housing units in twelve months; 319,024 Virginia units sit vacant of 3,684,756.

Virginia counties highest on the national opportunity index: Dickenson #36 (39.1/100, strong_buy); Russell #52 (38.5/100, strong_buy); Carroll #151 (36.3/100, strong_buy) in Virginia; Covington #163 (36.2/100, peak_opportunity); Galax #172 (36.1/100, peak_opportunity); Craig #172 (36.1/100, peak_opportunity) in Virginia; Charlotte #208 (35.7/100, overheated); Giles #261 (35.2/100, overheated); Alleghany #376 (34.1/100, peak_opportunity) in Virginia; Page #376 (34.1/100, peak_opportunity); Wise #403 (33.9/100, peak_opportunity); Floyd #403 (33.9/100, peak_opportunity) in Virginia.

How the Virginia county reports are scored: each Virginia report reads its county's foreclosure filings, Virginia tax-lien and tax-deed records, FHA mortgage delinquency in Virginia (ninety-day rate 0.8%, December 2025), the FDIC stress of Virginia lenders (57 chartered in Virginia) and FEMA/NFIP pressure on Virginia (575 NFIP claims, three years), then scores every Virginia ZIP 0-100.

Dickenson County leads Virginia on the opportunity index at #36 nationally with 12 scored ZIPs. Every Virginia report is rebuilt monthly from public records; a Virginia county whose data lapses keeps its Virginia page and says so.

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