James City County, VA: Foreclosures, Tax Liens & Distressed Properties

James City County, VA, Virginia: 5 ZIP codes scored, James City County, VA averaging 17/100 (low, James City, VA), from 13 to 19. James City County, VA is in its peak phase (James City, VA confidence 30/100): James City, VA home prices up 3.4% (James City, VA) over twelve months. James City County, VA lender headwind: 44/100.

Highest-scoring James City County, VA ZIPs: 23081 (19/100), 23168 (19/100), 23188 (18/100), 23185 (17/100), 23089 (13/100).

Across James City County, VA's scored ZIPs: median home value $426,225, household income $104,423, 7.9% vacancy, 6.8% poverty, 81% owner-occupied, median age 45.5.

James City County, VA insurance distress 19/100 (#2,341 in the US); FEMA hazard 0/100 for James City, VA; 2 federal disaster declarations in James City County, VA since 2023; 2 James City, VA NFIP flood claims, $7K paid; James City, VA construction distress 55/100.

9 banks with 15 branches lend in James City County, VA; James City, VA weighted bank stress 57/100, highest 71/100 in James City, VA.

James City County, VA unemployment 3.6% (James City, VA -0.4 pts, six months); 297 new housing units permitted in James City County, VA over twelve months, James City, VA down 6% from 315; James City, VA home prices +11.4% a year (James City, VA) over three years.

34,726 housing units in James City County, VA; 6,631 James City, VA renter households; 51% of James City, VA renters spend 30%+ of income on rent, 25% (James City, VA) half or more.

James City County, VA ranks #2,602 nationally on the opportunity index (James City, VA, among all ranked counties); James City, VA scores 25.4/100 and James City, VA sits #81 inside Virginia. James City, VA is in the weak opportunity phase; James City, VA's primary driver is construction, James City, VA second driver bank institutional; James City, VA moved up 254 places. 3 short-sale listings across James City, VA; 86 days on market observed in James City, VA; 9.8% vacancy over 5 James City, VA ZIPs.

No CFPB county sample covers James City County, VA. The metro area reading for James City, VA (Virginia Beach-Chesapeake-Norfolk, VA-NC): 1.1% ninety-plus days late; James City, VA's thirty-to-eighty-nine share is 2.3% (James City, VA, December 2025 data); Virginia overall 0.8%.

James City County, VA has 4 watched banks; 4 James City, VA banks sit in an elevated band. James City, VA footprints: Chesapeake Bank (4 branches, stress 53) in James City, VA; Citizens&Farmers Bank (2 branches, stress 59) in James City, VA; Atlantic Union Bank (1 branch, stress 40) in James City, VA.

HUD lists 1 assisted multifamily property in James City County, VA with 67 units; 67 James City, VA units are assisted.

2,736 of the 34,726 housing units in James City, VA sit vacant. James City County, VA permitted 0 multifamily units in twelve months; James City, VA's one-to-four unit structures added 297 units in James City County, VA.