Effingham County, GA: Foreclosures, Tax Liens & Distressed Properties

Effingham County, GA, Georgia: 8 ZIP codes scored, Effingham County, GA averaging 33/100 (moderate, Effingham, GA), from 30 to 35. Effingham County, GA is in its peak phase (Effingham, GA confidence 22/100): Effingham, GA home prices up 2.4% (Effingham, GA) over twelve months. Effingham County, GA lender headwind: 43/100.

Highest-scoring Effingham County, GA ZIPs: 31302 (35/100), 31303 (33/100), 31307 (33/100), 31312 (33/100), 31318 (33/100), 31326 (33/100). Also scored in Effingham County, GA: 31329, 30446.

Across Effingham County, GA's scored ZIPs: median home value $243,614, household income $85,000, 11.6% vacancy, 8.5% poverty, 77% owner-occupied, median age 39.2.

Effingham County, GA insurance distress 93/100 (#64 in the US); FEMA hazard 97/100 for Effingham, GA; 12 federal disaster declarations in Effingham County, GA since 2023 (3 hurricane); 32 Effingham, GA NFIP flood claims, $802K paid; Effingham, GA construction distress 72/100.

7 banks with 10 branches lend in Effingham County, GA; Effingham, GA weighted bank stress 60/100, highest 76/100 in Effingham, GA.

Effingham County, GA unemployment 2.7% (Effingham, GA -0.2 pts, six months); 544 new housing units permitted in Effingham County, GA over twelve months, Effingham, GA down 23% from 704; Effingham, GA home prices +13.8% a year (Effingham, GA) over three years.

25,943 housing units in Effingham County, GA; 5,061 Effingham, GA renter households; 28% of Effingham, GA renters spend 30%+ of income on rent, 14% (Effingham, GA) half or more.

Effingham County, GA ranks #937 nationally on the opportunity index (Effingham, GA, among all ranked counties); Effingham, GA scores 31.4/100 and Effingham, GA sits #62 inside Georgia. Effingham, GA is in the watchlist opportunity phase; Effingham, GA's primary driver is construction, Effingham, GA second driver bank institutional; Effingham, GA moved up 1,093 places. 14 short-sale listings across Effingham, GA; 64 days on market observed in Effingham, GA; 7.1% vacancy over 8 Effingham, GA ZIPs.

No CFPB county sample covers Effingham County, GA. The metro area reading for Effingham, GA (Savannah, GA): 1.1% ninety-plus days late; Effingham, GA's thirty-to-eighty-nine share is 2.2% (Effingham, GA, December 2025 data); Georgia overall 1.3%.

Effingham County, GA has 3 watched banks; 3 Effingham, GA banks sit in an elevated band. Effingham, GA footprints: Bank Of Newington (2 branches, stress 64) in Effingham, GA; Queensborough Nb&T Co (1 branch, stress 76) in Effingham, GA; Ameris Bank (1 branch, stress 51) in Effingham, GA.

1,656 of the 25,943 housing units in Effingham, GA sit vacant. Effingham County, GA permitted 101 multifamily units in twelve months; Effingham, GA's one-to-four unit structures added 443 units in Effingham County, GA.