Surry County, VA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Surry County, Virginia? DLRadar grades every Surry County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 11/100. Here is the 2026 Surry County breakdown.
- Surry County's most distressed ZIP is 23842 at 11/100.
- 10 ZIP codes tracked in Surry County, averaging 7/100 distress.
- Surry County reads peak — home values up 3.4% year over year.
- Vacancy runs 17% across Surry County's tracked ZIPs, with a 9.4% poverty rate.
- The typical Surry County home is worth about $246,360 against a ~$93,736 median income.
- Lending headwind in Surry County sits at 45/100 — 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 | 23842 | 11/100 |
| 2 | 23430 | 9/100 |
| 3 | 23866 | 8/100 |
| 4 | 23881 | 8/100 |
| 5 | 23839 | 7/100 |
| 6 | 23846 | 7/100 |
| 7 | 23883 | 7/100 |
| 8 | 23899 | 7/100 |
| 9 | 23888 | 6/100 |
| 10 | 23890 | 4/100 |
Most distressed ZIP codes in Surry County (composite distress 0-100, 2026)
What is driving Surry County distress
Nothing here is estimated: Surry County is scored from filings alone, and its ZIPs average 7/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Surry County market phase and pricing
Phase for Surry County: peak (+3.4% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Surry County
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What people ask
Which ZIP code leads Surry County on distress?
ZIP 23842 leads Surry County at 11/100, recomputed monthly from public records.
How would you describe the Surry County market phase?
The market phase for Surry County is peak, prices rising 3.4% on the year — derived from the FHFA House Price Index path.
What are the sources behind these Surry County numbers?
The inputs are all public: FHFA for the peak path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 10 ZIP codes in Surry County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Surry County ZIP codes?
A county average hides the spread. Across the Surry County ZIPs DLRadar ranks, scores run from 11/100 in 23842 down to 4/100 in 23890, against a Surry County average of 7/100. With 7 points between best and worst, county-level targeting in Surry County wastes effort.
What do Surry County home values and vacancy say about distressed supply?
The typical Surry County home carries about $246,360 of value against a median household income near $93,736. Vacancy across Surry County's tracked ZIPs runs 17% and the poverty rate is 9.4%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Surry County's filings and its 45/100 lending headwind.
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Produced by fixed formulas over public records — research, not investment, legal or financial advice. The underlying index updates monthly.