Cabarrus County, NC Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Cabarrus County, NC distress report, 2026: 16 ZIPs scored in Cabarrus, NC, Cabarrus, NC average 35/100; the top Cabarrus, NC ZIP is 28078 at 41/100; Cabarrus, NC market phase peak, Cabarrus, NC prices +1.0% year over year.
- Cabarrus, NC ranks #724 nationally (opportunity index); Cabarrus, NC #35 in North Carolina; Cabarrus, NC index 32.3.
- Cabarrus, NC ninety-day mortgage delinquency 1.1% in December 2025; Cabarrus, NC twelve-month change +0.4%.
- Cabarrus, NC ZIP phases: 16 peak.
- Cabarrus, NC residential listings tracked: 45 across 7 ZIPs; Cabarrus, NC candidate listings 20.
- Cabarrus, NC HUD assisted properties: 15 with 1,463 units.
- Cabarrus, NC lenders on watch: 6; largest Cabarrus, NC footprint Truist Bank (5 branches).
- Cabarrus, NC most distressed ZIP: 28078 at 41/100.
Cabarrus, NC figures: DLRadar distress index; Cabarrus, NC inputs: CFPB, FHFA, HUD, FDIC; Cabarrus, NC rebuilt as sources refresh.
| Rank | Cabarrus, NC ZIP | Score |
|---|---|---|
| 1 | 28078 | 41/100 |
| 2 | 28213 | 41/100 |
| 3 | 28215 | 41/100 |
| 4 | 28262 | 41/100 |
| 5 | 28269 | 41/100 |
| 6 | 28036 | 39/100 |
| 7 | 28107 | 36/100 |
| 8 | 28025 | 35/100 |
| 9 | 28027 | 35/100 |
| 10 | 28075 | 35/100 |
| 11 | 28124 | 34/100 |
| 12 | 28083 | 33/100 |
Most distressed Cabarrus, NC ZIPs (0-100, 2026)
Mortgage delinquency in Cabarrus, NC
1.1% of Cabarrus, NC mortgages were ninety-plus days late (Cabarrus, NC, December 2025); Cabarrus, NC thirty-to-eighty-nine days late: 2.5%; Cabarrus, NC twelve-month change +0.4%; Cabarrus, NC peak since 2008: 5.2% (November 2011); North Carolina overall 0.9%. Cabarrus, NC ninety-day series: Dec 24 0.7, Jan 25 0.9, Feb 25 0.5 (Cabarrus, NC), Mar 25 0.4, Apr 25 0.5, May 25 0.6 (Cabarrus, NC), Jun 25 0.5, Jul 25 0.8, Aug 25 0.8 (Cabarrus, NC), Sep 25 0.7, Oct 25 0.8, Nov 25 0.8 (Cabarrus, NC), Dec 25 1.1.
Opportunity index: Cabarrus, NC
Cabarrus, NC index 32.3, Cabarrus, NC phase watchlist; Cabarrus, NC primary driver construction, Cabarrus, NC second driver vacancy. Cabarrus, NC components: property stress 22.5, foreclosure pressure 22.7, listing discounts 34.3, bank stress 56.2, insurance 0.0; Cabarrus, NC pulse 35.8; Cabarrus, NC capital opportunity 27.1; Cabarrus, NC seven-day change -0.6%.
ZIP market phases inside Cabarrus, NC
16 Cabarrus, NC ZIPs carry a price-cycle phase; Cabarrus, NC ZIPs by phase (Cabarrus, NC), deepest drawdown first: peak, +1.0% YoY (Cabarrus, NC): 28025, 28027, 28036, 28071, Cabarrus, NC 28075, 28078, 28081, 28083, Cabarrus, NC 28107, 28138, 28213, 28215, Cabarrus, NC 28262, 28269; peak, +1.9% YoY (Cabarrus, NC): 28097; peak, +1.1% YoY (Cabarrus, NC): 28124.
Residential listings by Cabarrus, NC ZIP
Cabarrus, NC ZIPs with the most tracked Cabarrus, NC residential listings: 28027 13 listings, 11 candidates, bank pressure 58; 28025 10 listings, 1 candidates, bank pressure 58; 28081 8 listings, 5 candidates, bank pressure 56; 28083 8 listings, 0 candidates, bank pressure 56 (Cabarrus, NC); 28107 3 listings, 3 candidates, bank pressure 59; 28075 2 listings, 0 candidates, bank pressure 58; 28124 1 listings, 0 candidates, bank pressure 59. Cabarrus, NC totals: 45 listings; Cabarrus, NC candidates 20; active ZIPs 7.
HUD assisted housing in Cabarrus, NC
15 assisted properties with 1,463 units sit in Cabarrus, NC; largest Cabarrus, NC properties: The Vive At Kellswater (Kannapolis) 312 units; Sycamore At Christenbury (Concord) 275 units; Argento @ Kellswater Bridge (Kannapolis) 270 units in Cabarrus, NC; Emerson Hill Apartment Homes (Kannapolis) 198 units; University Park Apartments (Kannapolis) 100 units, 100 assisted; Westgreen Apartments (Kannapolis) 100 units, 100 assisted.
Lenders with branches in Cabarrus, NC
Cabarrus, NC lenders by branch count: Truist Bank (Cabarrus, NC): stress 62, 5 branches low in Cabarrus, NC; Bank Of America Na (Cabarrus, NC): stress 71, 3 branches low in Cabarrus, NC; First-Citizens Bank&Trust Co (Cabarrus, NC): stress 71, 2 branches low in Cabarrus, NC; Uwharrie Bank (Cabarrus, NC): stress 70, 2 branches low in Cabarrus, NC; First Bank (Cabarrus, NC): stress 47, 2 branches low in Cabarrus, NC; Farmers&Merchants Bank (Cabarrus, NC): stress 22, 2 branches low in Cabarrus, NC.
Vacancy and permits, Cabarrus, NC
9,445 of 93,691 Cabarrus, NC housing units are vacant; Cabarrus, NC permits, twelve months: 292 multifamily units in Cabarrus, NC, 1,507 one-to-four unit units.
Work Cabarrus, NC at the parcel level
Every Cabarrus, NC parcel carries owner and address; every Cabarrus, NC parcel carries APN; Cabarrus, NC distress scores sit on the Cabarrus, NC live board.
Cabarrus, NC figures refresh with each source.
Cabarrus, NC questions
Most distressed ZIP code in Cabarrus County, NC?
ZIP 28078 leads Cabarrus, NC at 41/100; next in Cabarrus, NC: 28213 at 41/100; the Cabarrus, NC average is 35/100.
Where does Cabarrus County, NC rank for investment opportunity?
Cabarrus, NC is #724 among all ranked counties, #35 in North Carolina; the Cabarrus, NC driver is construction; Cabarrus, NC moved up 101 places.
How many mortgages are delinquent in Cabarrus County, NC?
1.1% of Cabarrus, NC mortgages were ninety-plus days late in December 2025; the Cabarrus, NC peak since 2008 was 5.2%.
Which banks lend in Cabarrus County, NC?
6 watched lenders hold Cabarrus, NC branches; the largest Cabarrus, NC footprints are Truist Bank (5), Bank Of America Na (3), First-Citizens Bank&Trust Co (2).
More on Cabarrus, NC
Cabarrus County, NC distress report: public-record figures for Cabarrus, NC; not legal advice for Cabarrus, NC; not tax or investment advice; verify every Cabarrus, NC record before acting.