Buncombe County, NC Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Buncombe County, NC distress report, 2026: 20 ZIPs scored in Buncombe, NC, Buncombe, NC average 28/100; the top Buncombe, NC ZIP is 28701 at 28/100; Buncombe, NC market phase peak, Buncombe, NC prices +0.8% year over year.
- Buncombe, NC ranks #833 nationally (opportunity index); Buncombe, NC #43 in North Carolina; Buncombe, NC index 31.8.
- Buncombe, NC ninety-day mortgage delinquency 0.6% in December 2025; Buncombe, NC twelve-month change +0.3%.
- Buncombe, NC ZIP phases: 20 peak.
- Buncombe, NC residential listings tracked: 147 across 16 ZIPs; Buncombe, NC candidate listings 42.
- Buncombe, NC HUD assisted properties: 19 with 1,981 units.
- Buncombe, NC lenders on watch: 6; largest Buncombe, NC footprint First-Citizens Bank&Trust Co (11 branches).
- Buncombe, NC most distressed ZIP: 28701 at 28/100.
Buncombe, NC figures: DLRadar distress index; Buncombe, NC inputs: CFPB, FHFA, HUD, FDIC; Buncombe, NC rebuilt as sources refresh.
| Rank | Buncombe, NC ZIP | Score |
|---|---|---|
| 1 | 28701 | 28/100 |
| 2 | 28704 | 28/100 |
| 3 | 28709 | 28/100 |
| 4 | 28711 | 28/100 |
| 5 | 28715 | 28/100 |
| 6 | 28730 | 28/100 |
| 7 | 28732 | 28/100 |
| 8 | 28757 | 28/100 |
| 9 | 28759 | 28/100 |
| 10 | 28770 | 28/100 |
| 11 | 28778 | 28/100 |
| 12 | 28787 | 28/100 |
Most distressed Buncombe, NC ZIPs (0-100, 2026)
Mortgage delinquency in Buncombe, NC
0.6% of Buncombe, NC mortgages were ninety-plus days late (Buncombe, NC, December 2025); Buncombe, NC thirty-to-eighty-nine days late: 1.1%; Buncombe, NC twelve-month change +0.3%; Buncombe, NC peak since 2008: 2.9% (May 2010); North Carolina overall 0.9%. Buncombe, NC ninety-day series: Dec 24 0.3, Jan 25 0.6, Feb 25 0.6 (Buncombe, NC), Mar 25 0.6, Apr 25 0.6, May 25 0.7 (Buncombe, NC), Jun 25 0.5, Jul 25 0.6, Aug 25 0.4 (Buncombe, NC), Sep 25 0.5, Oct 25 0.4, Nov 25 0.5 (Buncombe, NC), Dec 25 0.6.
Opportunity index: Buncombe, NC
Buncombe, NC index 31.8, Buncombe, NC phase watchlist; Buncombe, NC primary driver vacancy, Buncombe, NC second driver bank institutional. Buncombe, NC components: property stress 30.7, foreclosure pressure 33.2, listing discounts 28.3, bank stress 53.1, insurance 0.0; Buncombe, NC pulse 35.1; Buncombe, NC capital opportunity 26.9.
ZIP market phases inside Buncombe, NC
20 Buncombe, NC ZIPs carry a price-cycle phase; Buncombe, NC ZIPs by phase (Buncombe, NC), deepest drawdown first: peak, +0.8% YoY (Buncombe, NC): 28701, 28704, 28709, 28715, Buncombe, NC 28730, 28732, 28748, 28753, Buncombe, NC 28757, 28759, 28770, 28778, Buncombe, NC 28787, 28792, 28801; peak, +1.0% YoY (Buncombe, NC): 28711.
Residential listings by Buncombe, NC ZIP
Buncombe, NC ZIPs with the most tracked Buncombe, NC residential listings: 28803 32 listings, 13 candidates, bank pressure 58; 28806 31 listings, 7 candidates, bank pressure 58; 28804 27 listings, 7 candidates, bank pressure 58; 28801 17 listings, 6 candidates, bank pressure 58 (Buncombe, NC); 28805 14 listings, 0 candidates, bank pressure 58; 28715 8 listings, 1 candidates, bank pressure 58; 28711 4 listings, 2 candidates, bank pressure 58; 28787 4 listings, 1 candidates, bank pressure 58. Buncombe, NC totals: 147 listings; Buncombe, NC candidates 42; active ZIPs 2.
HUD assisted housing in Buncombe, NC
19 assisted properties with 1,981 units sit in Buncombe, NC; largest Buncombe, NC properties: Aventine At Asheville (Arden) 312 units; The Villas At Avery Creek (Arden) 255 units; Lofts At Reynolds Village (Woodfin) 201 units in Buncombe, NC; Evergreen Ridge Apts. (Asheville) 192 units; Ledgewood Village (Asheville) 180 units, 154 assisted; Spruce Hill Apartments (Asheville) 174 units, 70 assisted.
Lenders with branches in Buncombe, NC
Buncombe, NC lenders by branch count: First-Citizens Bank&Trust Co (Buncombe, NC): stress 71, 11 branches low in Buncombe, NC; First Bank (Buncombe, NC): stress 47, 8 branches low in Buncombe, NC; Truist Bank (Buncombe, NC): stress 62, 6 branches low in Buncombe, NC; Bank Of America Na (Buncombe, NC): stress 71, 4 branches low in Buncombe, NC; Hometrust Bank (Buncombe, NC): stress 49, 4 branches low in Buncombe, NC; Black Mountain Sb Ssb (Buncombe, NC): stress 83, 1 branch low in Buncombe, NC.
Vacancy and permits, Buncombe, NC
32,628 of 134,483 Buncombe, NC housing units are vacant; Buncombe, NC permits, twelve months: 2,212 multifamily units in Buncombe, NC, 1,078 one-to-four unit units.
Work Buncombe, NC at the parcel level
Every Buncombe, NC parcel carries owner and address; every Buncombe, NC parcel carries APN; Buncombe, NC distress scores sit on the Buncombe, NC live board.
Buncombe, NC figures refresh with each source.
Buncombe, NC questions
Most distressed ZIP code in Buncombe County, NC?
ZIP 28701 leads Buncombe, NC at 28/100; next in Buncombe, NC: 28704 at 28/100; the Buncombe, NC average is 28/100.
Where does Buncombe County, NC rank for investment opportunity?
Buncombe, NC is #833 among all ranked counties, #43 in North Carolina; the Buncombe, NC driver is vacancy; Buncombe, NC moved up 249 places.
How many mortgages are delinquent in Buncombe County, NC?
0.6% of Buncombe, NC mortgages were ninety-plus days late in December 2025; the Buncombe, NC peak since 2008 was 2.9%.
Which banks lend in Buncombe County, NC?
6 watched lenders hold Buncombe, NC branches; the largest Buncombe, NC footprints are First-Citizens Bank&Trust Co (11), First Bank (8), Truist Bank (6).
More on Buncombe, NC
Buncombe County, NC distress report: public-record figures for Buncombe, NC; not legal advice for Buncombe, NC; not tax or investment advice; verify every Buncombe, NC record before acting.