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

Frederick County, VA, Virginia: 12 ZIP codes scored, Frederick County, VA averaging 16/100 (low, Frederick, VA), from 8 to 18. Frederick County, VA is in its expansion phase (Frederick, VA confidence 36/100): Frederick, VA home prices up 6.3% (Frederick, VA) over twelve months. Frederick County, VA lender headwind: 47/100.

Highest-scoring Frederick County, VA ZIPs: 22602 (18/100), 22603 (18/100), 22624 (18/100), 22625 (18/100), 22637 (18/100), 22655 (18/100). Also scored in Frederick County, VA: 22656, 22630, 22645, 22654, 22663, 22601.

Across Frederick County, VA's scored ZIPs: median home value $383,283, household income $87,749, 10.3% vacancy, 9.0% poverty, 78% owner-occupied, median age 43.2.

Frederick County, VA insurance distress 22/100 (#2,124 in the US); FEMA hazard 0/100 for Frederick, VA; 3 federal disaster declarations in Frederick County, VA since 2023; 5 Frederick, VA NFIP flood claims, $32K paid; Frederick, VA construction distress 56/100.

8 banks with 19 branches lend in Frederick County, VA; Frederick, VA weighted bank stress 59/100, highest 73/100 in Frederick, VA.

Frederick County, VA unemployment 3.4% (Frederick, VA -0.2 pts, six months); 670 new housing units permitted in Frederick County, VA over twelve months, Frederick, VA down 6% from 715; Frederick, VA home prices +8.8% a year (Frederick, VA) over three years.

37,288 housing units in Frederick County, VA; 7,547 Frederick, VA renter households; 37% of Frederick, VA renters spend 30%+ of income on rent, 18% (Frederick, VA) half or more.

Frederick County, VA ranks #2,790 nationally on the opportunity index (Frederick, VA, among all ranked counties); Frederick, VA scores 24.5/100 and Frederick, VA sits #87 inside Virginia. Frederick, VA is in the weak opportunity phase; Frederick, VA's primary driver is construction, Frederick, VA second driver bank institutional; Frederick, VA moved up 120 places. 17 short-sale listings across Frederick, VA; 82 days on market observed in Frederick, VA; 5.9% vacancy over 12 Frederick, VA ZIPs.

No CFPB county sample covers Frederick County, VA. The metro area reading for Frederick, VA (Winchester, VA-WV): 1.0% ninety-plus days late; Frederick, VA's thirty-to-eighty-nine share is 2.5% (Frederick, VA, December 2025 data); Virginia overall 0.8%.

Frederick County, VA has 3 watched banks; 3 Frederick, VA banks sit in an elevated band. Frederick, VA footprints: Bank Of Clarke (5 branches, stress 63) in Frederick, VA; United Bank (4 branches, stress 36) in Frederick, VA; First Bank (2 branches, stress 70) in Frederick, VA.

HUD lists 4 assisted multifamily properties in Frederick County, VA with 218 units; 47 Frederick, VA units are assisted, 1 Frederick, VA properties under project-based Section 8.

1,903 of the 37,288 housing units in Frederick, VA sit vacant. Frederick County, VA permitted 0 multifamily units in twelve months; Frederick, VA's one-to-four unit structures added 670 units in Frederick County, VA.