Stephens County, GA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Stephens County, Georgia? DLRadar grades every Stephens County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 18/100. Here is the 2026 Stephens County breakdown.
- Stephens County's most distressed ZIP is 30557 at 18/100.
- 6 ZIP codes tracked in Stephens County, averaging 16/100 distress.
- Stephens County reads peak — home values up 1.2% year over year.
- Vacancy runs 11.8% across Stephens County's tracked ZIPs, with a 26.3% poverty rate.
- The typical Stephens County home is worth about $194,580 against a ~$60,203 median income.
- Lending headwind in Stephens County sits at 21/100 — a forward read on distressed supply.
All numbers: DLRadar's monthly public-record distress index. Reuse is welcome with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 30557 | 18/100 |
| 2 | 30511 | 17/100 |
| 3 | 30563 | 17/100 |
| 4 | 30538 | 16/100 |
| 5 | 30577 | 16/100 |
| 6 | 30598 | 14/100 |
Most distressed ZIP codes in Stephens County (composite distress 0-100, 2026)
What is driving Stephens County distress
Stephens County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 16/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Stephens County market phase and pricing
Phase for Stephens County: peak (+1.2% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Stephens County
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Common questions
What is the hardest-hit ZIP in Stephens County?
ZIP 30557 leads Stephens County at 18/100, recomputed monthly from public records.
How would you describe the Stephens County market phase?
Stephens County currently sits in peak, with values up 1.2% year on year, based on FHFA price-index trajectory.
What is this Stephens County analysis built from?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 6 Stephens County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Stephens County ZIP codes?
A single county score papers over real variation. Across the Stephens County ZIPs DLRadar ranks, scores run from 18/100 in 30557 down to 14/100 in 30598, against a Stephens County average of 16/100. With 4 points between best and worst, county-level targeting in Stephens County wastes effort.
What do Stephens County home values and vacancy say about distressed supply?
The typical Stephens County home carries about $194,580 of value against a median household income near $60,203. Vacancy across Stephens County's tracked ZIPs runs 11.8% and the poverty rate is 26.3%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Stephens County's foreclosure and tax-lien record and its 21/100 lending headwind.
Related
This is a deterministic read of public filings, not advice of any kind — investment, legal or financial. The underlying index updates each month.