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

Habersham County, GA, Georgia: 7 ZIP codes scored, Habersham County, GA averaging 19/100 (low, Habersham, GA), from 18 to 20. Habersham County, GA is in its peak phase (Habersham, GA confidence 18/100): Habersham, GA home prices up 1.2% (Habersham, GA) over twelve months. Habersham County, GA lender headwind: 24/100.

Highest-scoring Habersham County, GA ZIPs: 30531 (20/100), 30510 (19/100), 30511 (19/100), 30523 (19/100), 30535 (18/100), 30563 (18/100). Also scored in Habersham County, GA: 30577.

Across Habersham County, GA's scored ZIPs: median home value $228,329, household income $60,580, 13.0% vacancy, 14.3% poverty, 74% owner-occupied, median age 40.6.

Habersham County, GA insurance distress 48/100 (#1,142 in the US); FEMA hazard 94/100 for Habersham, GA; 9 federal disaster declarations in Habersham County, GA since 2023 (3 hurricane); Habersham, GA construction distress 25/100.

6 banks with 11 branches lend in Habersham County, GA; Habersham, GA weighted bank stress 53/100, highest 57/100 in Habersham, GA.

Habersham County, GA unemployment 2.9% (Habersham, GA -0.1 pts, six months); 353 new housing units permitted in Habersham County, GA over twelve months, Habersham, GA up 28% from 276; Habersham, GA home prices +11.5% a year (Habersham, GA) over three years.

19,071 housing units in Habersham County, GA; 4,063 Habersham, GA renter households; 39% of Habersham, GA renters spend 30%+ of income on rent, 20% (Habersham, GA) half or more.

Habersham County, GA ranks #2,641 nationally on the opportunity index (Habersham, GA, among all ranked counties); Habersham, GA scores 25.2/100 and Habersham, GA sits #158 inside Georgia. Habersham, GA is in the weak opportunity phase; Habersham, GA's primary driver is vacancy, Habersham, GA second driver bank institutional; Habersham, GA moved up 33 places. 4 short-sale listings across Habersham, GA; 18 days on market observed in Habersham, GA; 15.3% vacancy over 7 Habersham, GA ZIPs.

No CFPB county sample covers Habersham County, GA. The non-metro area reading for Habersham, GA: 1.3% ninety-plus days late; Habersham, GA's thirty-to-eighty-nine share is 3.0% (Habersham, GA, December 2025 data); Georgia overall 1.3%.

Habersham County, GA has 2 watched banks; 2 Habersham, GA banks sit in an elevated band. Habersham, GA footprints: Rabun County Bank (2 branches, stress 56) in Habersham, GA; Vallant Bank (2 branches, stress 56) in Habersham, GA.

2,318 of the 19,071 housing units in Habersham, GA sit vacant. Habersham County, GA permitted 63 multifamily units in twelve months; Habersham, GA's one-to-four unit structures added 290 units in Habersham County, GA.