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

Stafford County, VA, Virginia: 5 ZIP codes scored, Stafford County, VA averaging 15/100 (low, Stafford, VA), from 15 to 16. Stafford County, VA is in its peak phase (Stafford, VA confidence 23/100): Stafford, VA home prices up 3.4% (Stafford, VA) over twelve months. Stafford County, VA lender headwind: 55/100.

Highest-scoring Stafford County, VA ZIPs: 22134 (16/100), 22405 (15/100), 22406 (15/100), 22554 (15/100), 22556 (15/100).

Across Stafford County, VA's scored ZIPs: median home value $454,900, household income $132,496, 5.9% vacancy, 6.0% poverty, 65% owner-occupied, median age 34.9.

Stafford County, VA insurance distress 21/100 (#2,284 in the US); FEMA hazard 0/100 for Stafford, VA; 2 federal disaster declarations in Stafford County, VA since 2023; 5 Stafford, VA NFIP flood claims, $6K paid.

9 banks with 16 branches lend in Stafford County, VA; Stafford, VA weighted bank stress 56/100, highest 71/100 in Stafford, VA.

Stafford County, VA unemployment 3.6% (Stafford, VA -0.4 pts, six months); 621 new housing units permitted in Stafford County, VA over twelve months, Stafford, VA up 53% from 406; Stafford, VA home prices +8.5% a year (Stafford, VA) over three years.

54,659 housing units in Stafford County, VA; 9,837 Stafford, VA renter households; 45% of Stafford, VA renters spend 30%+ of income on rent, 19% (Stafford, VA) half or more.

Stafford County, VA ranks #3,050 nationally on the opportunity index (Stafford, VA, among all ranked counties); Stafford, VA scores 22.6/100 and Stafford, VA sits #116 inside Virginia. Stafford, VA is in the weak opportunity phase; Stafford, VA's primary driver is bank institutional, Stafford, VA second driver listings discount; Stafford, VA moved up 133 places. 21 short-sale listings across Stafford, VA; 97 days on market observed in Stafford, VA; 4.9% vacancy over 5 Stafford, VA ZIPs.

0.9% of Stafford County, VA mortgages were ninety-plus days late in December 2025; Stafford, VA's thirty-to-eighty-nine-day share was 1.4% (CFPB county sample). Stafford, VA's ninety-day rate is up 0.6 points on twelve months earlier; the Stafford, VA peak since 2008 was 4.4% in November 2009; Virginia overall reads 0.8%.

Stafford County, VA has 4 watched banks; 4 Stafford, VA banks sit in an elevated band. Stafford, VA footprints: Carter Bank&Trust (3 branches, stress 35) in Stafford, VA; Citizens&Farmers Bank (1 branch, stress 59) in Stafford, VA; Atlantic Union Bank (1 branch, stress 40) in Stafford, VA.

HUD lists 7 assisted multifamily properties in Stafford County, VA with 466 units; 177 Stafford, VA units are assisted, 2 Stafford, VA properties under project-based Section 8.

2,333 of the 54,659 housing units in Stafford, VA sit vacant. Stafford County, VA permitted 0 multifamily units in twelve months; Stafford, VA's one-to-four unit structures added 621 units in Stafford County, VA.