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

Caroline County, VA, Virginia: 11 ZIP codes scored, Caroline County, VA averaging 12/100 (minimal, Caroline, VA), from 8 to 21. Caroline County, VA is in its expansion phase (Caroline, VA confidence 30/100): Caroline, VA home prices up 5.5% (Caroline, VA) over twelve months. Caroline County, VA lender headwind: 15/100.

Highest-scoring Caroline County, VA ZIPs: 23015 (21/100), 23047 (21/100), 22408 (18/100), 23069 (16/100), 22580 (10/100), 22546 (9/100). Also scored in Caroline County, VA: 22427, 22438, 22514, 22535, 22538.

Across Caroline County, VA's scored ZIPs: median home value $340,418, household income $100,292, 7.9% vacancy, 7.3% poverty, 82% owner-occupied, median age 43.9.

Caroline County, VA insurance distress 0/100 (#3,135 in the US); FEMA hazard 0/100 for Caroline, VA; 2 federal disaster declarations in Caroline County, VA since 2023; Caroline, VA construction distress 46/100.

1 bank with 2 branches lend in Caroline County, VA; Caroline, VA weighted bank stress 40/100.

Caroline County, VA unemployment 3.6% (Caroline, VA -0.2 pts, six months); 257 new housing units permitted in Caroline County, VA over twelve months, Caroline, VA up 8% from 237; Caroline, VA home prices +10.6% a year (Caroline, VA) over three years.

12,920 housing units in Caroline County, VA; 2,132 Caroline, VA renter households; 39% of Caroline, VA renters spend 30%+ of income on rent, 19% (Caroline, VA) half or more.

Caroline County, VA ranks #2,568 nationally on the opportunity index (Caroline, VA, among all ranked counties); Caroline, VA scores 25.6/100 and Caroline, VA sits #78 inside Virginia. Caroline, VA is in the weak opportunity phase; Caroline, VA's primary driver is bank institutional, Caroline, VA second driver construction; Caroline, VA moved up 383 places. 15 short-sale listings across Caroline, VA; 48 days on market observed in Caroline, VA; 7.3% vacancy over 11 Caroline, VA ZIPs.

No CFPB county sample covers Caroline County, VA. The non-metro area reading for Caroline, VA: 1.2% ninety-plus days late; Caroline, VA's thirty-to-eighty-nine share is 3.0% (Caroline, VA, December 2025 data); Virginia overall 0.8%.

Caroline County, VA has 1 watched bank; 1 Caroline, VA bank sits in an elevated band. Caroline, VA footprints: Atlantic Union Bank (2 branches, stress 40) in Caroline, VA.

HUD lists 1 assisted multifamily property in Caroline County, VA with 4 units; 4 Caroline, VA units are assisted.

932 of the 12,920 housing units in Caroline, VA sit vacant. Caroline County, VA permitted 0 multifamily units in twelve months; Caroline, VA's one-to-four unit structures added 257 units in Caroline County, VA.