Virginia Foreclosures, Tax Liens & Distressed Properties

Virginia sits in DLRadar's nationwide distress index, scored entirely by one fixed, rule-based method. Phase-wise, Virginia counties run 74 peak, 57 expansion, 2 neutral. The state covers 133 scored counties and 858 ZIP codes, averaging 18/100 composite distress. The typical Virginia county is peak (+4.3% average HPI).

Leading Virginia on distress: Alleghany County, Mathews County, Bland County, Amherst County, Grayson County — each with its own report.

Statewide ZIP distress tops out at 24604 (31/100), 24609 (31/100), 24260 (30/100), 24316 (30/100), 24377 (30/100).

The Virginia breakdown, county by county:

Accomack County reads expansion — appreciation near 5.5%, lender pressure 30/100. Albemarle County — peak, up 3.6% on the year, headwind 58/100. Alexandria County is peak (values rising 3.4%, headwind 34/100). Alleghany County sits in expansion, homes +5.5% YoY, lender pressure 86/100. Amelia County — peak, prices up 3.1%, lender pressure 16/100. Amherst County: peak, up 3.7% on the year, a 76/100 lender reading. Appomattox County reads peak — up 3.7% on the year, headwind 69/100.

Arlington County is peak (values rising 3.4%, lender pressure 49/100). Augusta County reads expansion — homes +6.6% YoY, bank stress 32/100. Bath County reads expansion — values rising 5.5%, lender pressure 55/100. Bedford County: peak, up 3.7% on the year, lender pressure 66/100. DLRadar reads Bland County as expansion — values rising 5.5%, lender pressure 77/100. DLRadar reads Botetourt County as peak — values rising 3.1%, bank stress 68/100. Bristol County is in its peak phase, homes +1.8% YoY, a 37/100 lender reading.

Brunswick County sits in expansion, up 5.5% on the year, a 64/100 lender reading. Buchanan County reads expansion — up 5.5% on the year, lender pressure 60/100. Buckingham County is expansion (homes +5.5% YoY, lender pressure 65/100). Buena Vista County — expansion, values rising 5.5%, bank stress 39/100. Campbell County is peak (up 3.7% on the year, bank stress 69/100). Caroline County is expansion (prices up 5.5%, a 15/100 lender reading). DLRadar reads Carroll County as expansion — values rising 5.5%, a 57/100 lender reading.

Charles City County reads peak — homes +3.1% YoY, lender pressure 49/100. DLRadar reads Charlotte County as expansion — appreciation near 5.5%, headwind 52/100. Charlottesville County is peak (up 3.6% on the year, bank stress 55/100). Chesapeake County is peak (appreciation near 3.4%, bank stress 48/100). DLRadar reads Chesterfield County as peak — appreciation near 3.1%, lender pressure 42/100. In Clarke County, peak: homes +3.4% YoY, lender pressure 72/100. DLRadar reads Colonial Heights County as peak — appreciation near 3.1%, headwind 30/100.

In Covington County, expansion: prices up 5.5%, lender pressure 49/100. Craig County reads peak — appreciation near 3.1%. DLRadar reads Culpeper County as peak — appreciation near 3.4%, headwind 47/100. Cumberland County: expansion, prices up 5.5%, lender pressure 45/100. Danville County — peak, up 3.4% on the year, lender pressure 70/100. Dickenson County — expansion, appreciation near 5.5%, a 34/100 lender reading. Dinwiddie County sits in peak, prices up 3.1%.

Emporia County sits in expansion, up 5.5% on the year, bank stress 19/100. In Essex County, expansion: homes +5.5% YoY, bank stress 18/100. Fairfax County — peak, up 3.4% on the year, bank stress 44/100. Falls Church County is peak (prices up 3.4%, bank stress 30/100). Fauquier County: peak, values rising 3.4%, a 47/100 lender reading. Floyd County: expansion, appreciation near 5.5%, a 65/100 lender reading. Fluvanna County: peak, prices up 3.6%, a 32/100 lender reading.

Franklin County is expansion (up 5.5% on the year). In Frederick County, expansion: up 6.3% on the year, lender pressure 47/100. Fredericksburg County reads peak — appreciation near 3.4%, a 33/100 lender reading. Galax County: expansion, homes +5.5% YoY, lender pressure 69/100. Giles County sits in expansion, up 5.5% on the year, a 70/100 lender reading. Gloucester County sits in peak, appreciation near 3.4%, bank stress 54/100. Goochland County is peak (values rising 3.1%, a 22/100 lender reading).

In Grayson County, expansion: up 5.5% on the year, bank stress 76/100.

Virginia opportunity phases: 79 weak, 29 early_signal, 8 watchlist, 7 peak_opportunity, 5 overheated, 5 strong_buy; Virginia average index 27.2. Best-ranked Virginia counties: Dickenson #29 (39.5), vacancy; Russell #42 (38.8), construction; Carroll #134 (36.6), vacancy in Virginia; Craig #151 (36.4), vacancy; Galax #151 (36.4), vacancy; Covington #170 (36.2), vacancy.

Virginia mortgages ninety-plus days late: 0.8%; Virginia thirty-to-eighty-nine days late 1.8% (December 2025); 17 Virginia counties sit in the CFPB sample; highest Virginia county readings: Hampton 2.2%, Suffolk 1.7%, Norfolk 1.3%, Newport News 1.3%, Spotsylvania 1.1%.

Virginia county unemployment averages 3.8% across 133 counties; Virginia permitted 37,520 housing units in twelve months (16,407 multifamily); 319,024 of 3,684,756 Virginia housing units are vacant; 1,091,768 Virginia renter households, 39.6% spending 30%+ of income on rent.

Virginia ZIP price-cycle phases: 3,628 peak, 1,322 expansion, 216 recovery, 211 contraction, 145 neutral.