Albemarle County, VA: Foreclosures, Tax Liens & Distressed Properties

Albemarle County, VA, Virginia: 24 ZIP codes scored, Albemarle County, VA averaging 24/100 (low, Albemarle, VA), from 11 to 28. Albemarle County, VA is in its peak phase (Albemarle, VA confidence 20/100): Albemarle, VA home prices up 3.6% (Albemarle, VA) over twelve months. Albemarle County, VA lender headwind: 58/100.

Highest-scoring Albemarle County, VA ZIPs: 22901 (28/100), 22902 (28/100), 22911 (28/100), 22931 (28/100), 22932 (28/100), 22936 (28/100). Also scored in Albemarle County, VA: 22937, 22943, 22946, 22959, 22903, 22904, 22940, 22947, 22920, 22969.

Across Albemarle County, VA's scored ZIPs: median home value $497,196, household income $98,005, 14.2% vacancy, 8.3% poverty, 73% owner-occupied, median age 43.0.

Albemarle County, VA insurance distress 65/100 (#776 in the US); FEMA hazard 63/100 for Albemarle, VA; 4 federal disaster declarations in Albemarle County, VA since 2023; 5 Albemarle, VA NFIP flood claims, $45K paid; Albemarle, VA construction distress 54/100.

15 banks with 27 branches lend in Albemarle County, VA; Albemarle, VA weighted bank stress 61/100, highest 87/100 in Albemarle, VA.

Albemarle County, VA unemployment 3.3% (Albemarle, VA -0.3 pts, six months); 744 new housing units permitted in Albemarle County, VA over twelve months, Albemarle, VA down 3% from 765; Albemarle, VA home prices +9.2% a year (Albemarle, VA) over three years.

49,159 housing units in Albemarle County, VA; 15,344 Albemarle, VA renter households; 45% of Albemarle, VA renters spend 30%+ of income on rent, 23% (Albemarle, VA) half or more.

Albemarle County, VA ranks #2,933 nationally on the opportunity index (Albemarle, VA, among all ranked counties); Albemarle, VA scores 23.6/100 and Albemarle, VA sits #102 inside Virginia. Albemarle, VA is in the weak opportunity phase; Albemarle, VA's primary driver is construction, Albemarle, VA second driver bank institutional; Albemarle, VA moved down 77 places. 8 short-sale listings across Albemarle, VA; 101 days on market observed in Albemarle, VA; 7.3% vacancy over 24 Albemarle, VA ZIPs.

No CFPB county sample covers Albemarle County, VA. The metro area reading for Albemarle, VA (Charlottesville, VA): 0.4% ninety-plus days late; Albemarle, VA's thirty-to-eighty-nine share is 1.2% (Albemarle, VA, December 2025 data); Virginia overall 0.8%.

Albemarle County, VA has 10 watched banks; 10 Albemarle, VA banks sit in an elevated band. Albemarle, VA footprints: Bank Of The James (2 branches, stress 78) in Albemarle, VA; Atlantic Union Bank (2 branches, stress 40) in Albemarle, VA; Carter Bank&Trust (2 branches, stress 35) in Albemarle, VA.

HUD lists 14 assisted multifamily properties in Albemarle County, VA with 2,629 units; 30 Albemarle, VA units are assisted, 1 Albemarle, VA properties under project-based Section 8.

3,247 of the 49,159 housing units in Albemarle, VA sit vacant. Albemarle County, VA permitted 208 multifamily units in twelve months; Albemarle, VA's one-to-four unit structures added 536 units in Albemarle County, VA.