ZIP 31326 Foreclosure, Tax-Lien & Distress Report
Effingham County, Georgia · Distress market
ZIP code 31326 in Effingham County, Georgia carries a composite property-distress score of 33/100 — a moderate reading on DLRadar's deterministic distress index. Climate and flood risk are elevated too — FEMA disaster exposure (96/100), flood (NFIP) exposure (87/100), climate & FEMA risk (63/100). Latent structural risk is 74/100 while live distress already moving reads 8/100. The pressure is most legible in structural risk (74/100), construction/permit lag (73/100), institutional ownership (70/100). mortgage stress (26/100) stay muted.
The peak-phase market in 31326 posted values that rose 2.4% over the year, and 25% higher over three years, at 22/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
The poverty rate is 7.4% — low. Population is roughly 23,882 with a median age of 37. Median household income is $82,196, near the U.S. median near $78,000. About 29% have a four-year degree. The ZIP holds roughly 9,747 housing units. DLRadar's demographic-stress index for the area reads 26/100. Around 29% of renters are cost-burdened. The vacancy rate is 6.0%. A median home runs $279,300 here, or 3.0 times local income. 74% of housing is owner-occupied.
On balance 31326 is mixed, rewarding parcel-by-parcel screening over broad assumptions. 31326 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.
Whether 31326 runs hot or quiet, its 33/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 31326 can be compared directly against any other ZIP in Effingham County, Georgia or nationwide. Where the record is thin for 31326, the field stays empty rather than modeled, and fills in as new documents post.
Each component behind 31326 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 33/100 roll-up. For an operator, 31326 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Signal-by-signal read on 31326
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties are listed in full, with owner, address, APN, per-parcel score and exit-velocity read.
ZIP 31326 Stress Report snapshot
The live 31326 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Nearby ZIPs in Effingham County
Nearest ZIP codes to 31326
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
More distress data near 31326
Keep going: ZIP, county and state distress coverage for Effingham County, Georgia.
See every distressed parcel in 31326
Every distressed parcel in 31326 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to owner and lender records, refreshed continuously nationwide.
Rules-based scoring — each signal ties to a public dataset · methodology