Stephens County, GA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Stephens County, GA distress report, 2026: 6 ZIPs scored in Stephens, GA, Stephens, GA average 18/100; the top Stephens, GA ZIP is 30511 at 19/100; Stephens, GA market phase peak, Stephens, GA prices +1.2% year over year.
- Stephens, GA ranks #1,345 nationally (opportunity index); Stephens, GA #100 in Georgia; Stephens, GA index 30.0.
- Stephens, GA: no CFPB county sample; Stephens, GA non-metro area reading 1.3%.
- Stephens, GA ZIP phases: 6 peak.
- Stephens, GA residential listings tracked: 3 across 3 ZIPs; Stephens, GA candidate listings 0.
- Stephens, GA HUD assisted properties: 2 with 283 units.
- Stephens, GA lenders on watch: 1; largest Stephens, GA footprint Northeast Georgia Bank (1 branch).
- Stephens, GA most distressed ZIP: 30511 at 19/100.
Stephens, GA figures: DLRadar distress index; Stephens, GA inputs: CFPB, FHFA, HUD, FDIC; Stephens, GA rebuilt as sources refresh.
| Rank | Stephens, GA ZIP | Score |
|---|---|---|
| 1 | 30511 | 19/100 |
| 2 | 30557 | 19/100 |
| 3 | 30538 | 18/100 |
| 4 | 30563 | 18/100 |
| 5 | 30577 | 18/100 |
| 6 | 30598 | 17/100 |
Most distressed Stephens, GA ZIPs (0-100, 2026)
Mortgage delinquency around Stephens, GA
No CFPB county sample covers Stephens, GA; the non-metro area reading for Stephens, GA: 1.3% ninety-plus; Stephens, GA area thirty-to-eighty-nine 3.0% (December 2025, Stephens, GA); Georgia overall 1.3%.
Opportunity index: Stephens, GA
Stephens, GA index 30.0, Stephens, GA phase early_signal; Stephens, GA primary driver vacancy, Stephens, GA second driver bank institutional. Stephens, GA components: property stress 21.4, foreclosure pressure 22.1, listing discounts 31.3, bank stress 46.7, insurance 0.0; Stephens, GA pulse 31.6; Stephens, GA capital opportunity 27.5; Stephens, GA seven-day change +0.3%.
ZIP market phases inside Stephens, GA
6 Stephens, GA ZIPs carry a price-cycle phase; Stephens, GA ZIPs by phase (Stephens, GA), deepest drawdown first: peak, +1.2% YoY, 0.0% off peak (Stephens, GA): 30563, 30598; peak, +1.4% YoY, 0.0% off peak (Stephens, GA): 30538, 30577; peak, +2.0% YoY, 0.0% off peak (Stephens, GA): 30557; peak, +2.4% YoY, 0.0% off peak (Stephens, GA): 30511.
Residential listings by Stephens, GA ZIP
Stephens, GA ZIPs with the most tracked Stephens, GA residential listings: 30577 3 listings, 0 candidates, bank pressure 53; 30538 0 listings, 0 candidates, bank pressure 55; 30598 0 listings, 0 candidates, bank pressure 55. Stephens, GA totals: 3 listings; Stephens, GA candidates 0; active ZIPs 1.
HUD assisted housing in Stephens, GA
2 assisted properties with 283 units sit in Stephens, GA; largest Stephens, GA properties: Cornelia (Toccoa) 154 units, 154 assisted; Habersham Housing (Toccoa) 129 units, 129 assisted.
Lenders with branches in Stephens, GA
Stephens, GA lenders by branch count: Northeast Georgia Bank (Stephens, GA): stress 31, 1 branch low in Stephens, GA.
Vacancy and permits, Stephens, GA
1,830 of 12,354 Stephens, GA housing units are vacant; Stephens, GA permits, twelve months: 0 multifamily units in Stephens, GA, 35 one-to-four unit units.
Work Stephens, GA at the parcel level
Every Stephens, GA parcel carries owner and address; every Stephens, GA parcel carries APN; Stephens, GA distress scores sit on the Stephens, GA live board.
Stephens, GA figures refresh with each source.
Stephens, GA questions
Most distressed ZIP code in Stephens County, GA?
ZIP 30511 leads Stephens, GA at 19/100; next in Stephens, GA: 30557 at 19/100; the Stephens, GA average is 18/100.
Where does Stephens County, GA rank for investment opportunity?
Stephens, GA is #1,345 among all ranked counties, #100 in Georgia; the Stephens, GA driver is vacancy; Stephens, GA moved up 665 places.
How many mortgages are delinquent in Stephens County, GA?
Stephens, GA takes the non-metro area reading of 1.3% for December 2025; no CFPB county sample covers Stephens, GA.
Which banks lend in Stephens County, GA?
1 watched lenders hold Stephens, GA branches; the largest Stephens, GA footprints are Northeast Georgia Bank (1).
More on Stephens, GA
Stephens County, GA distress report: public-record figures for Stephens, GA; not legal advice for Stephens, GA; not tax or investment advice; verify every Stephens, GA record before acting.