Caldwell County, NC Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Caldwell County, NC distress report, 2026: 10 ZIPs scored in Caldwell, NC, Caldwell, NC average 30/100; the top Caldwell, NC ZIP is 28606 at 34/100; Caldwell, NC market phase peak, Caldwell, NC prices +2.3% year over year.
- Caldwell, NC ranks #937 nationally (opportunity index); Caldwell, NC #48 in North Carolina; Caldwell, NC index 31.4.
- Caldwell, NC: no CFPB county sample; Caldwell, NC metro area reading 1.7%.
- Caldwell, NC ZIP phases: 10 peak.
- Caldwell, NC residential listings tracked: 18 across 5 ZIPs; Caldwell, NC candidate listings 4.
- Caldwell, NC HUD assisted properties: 4 with 123 units.
- Caldwell, NC lenders on watch: 2; largest Caldwell, NC footprint First-Citizens Bank&Trust Co (3 branches).
- Caldwell, NC most distressed ZIP: 28606 at 34/100.
Caldwell, NC figures: DLRadar distress index; Caldwell, NC inputs: CFPB, FHFA, HUD, FDIC; Caldwell, NC rebuilt as sources refresh.
| Rank | Caldwell, NC ZIP | Score |
|---|---|---|
| 1 | 28606 | 34/100 |
| 2 | 28624 | 34/100 |
| 3 | 28605 | 32/100 |
| 4 | 28630 | 29/100 |
| 5 | 28638 | 29/100 |
| 6 | 28645 | 29/100 |
| 7 | 28667 | 29/100 |
| 8 | 28611 | 28/100 |
| 9 | 28601 | 27/100 |
| 10 | 28655 | 27/100 |
Most distressed Caldwell, NC ZIPs (0-100, 2026)
Mortgage delinquency around Caldwell, NC
No CFPB county sample covers Caldwell, NC; the metro area reading for Caldwell, NC (Hickory-Lenoir-Morganton, NC): 1.7% ninety-plus; Caldwell, NC area thirty-to-eighty-nine 3.4% (December 2025, Caldwell, NC); North Carolina overall 0.9%.
Opportunity index: Caldwell, NC
Caldwell, NC index 31.4, Caldwell, NC phase watchlist; Caldwell, NC primary driver vacancy, Caldwell, NC second driver bank institutional. Caldwell, NC components: property stress 22.0, foreclosure pressure 22.2, listing discounts 34.6, bank stress 59.1, insurance 0.0; Caldwell, NC pulse 34.7; Caldwell, NC capital opportunity 26.4; Caldwell, NC seven-day change -0.3%.
ZIP market phases inside Caldwell, NC
10 Caldwell, NC ZIPs carry a price-cycle phase; Caldwell, NC ZIPs by phase (Caldwell, NC), deepest drawdown first: peak, +2.3% YoY (Caldwell, NC): 28601, 28630, 28638, 28645, Caldwell, NC 28655, 28667; peak, +2.1% YoY (Caldwell, NC): 28605; peak, +2.0% YoY (Caldwell, NC): 28606; peak, +2.4% YoY (Caldwell, NC): 28611; peak, +1.9% YoY (Caldwell, NC): 28624.
Residential listings by Caldwell, NC ZIP
Caldwell, NC ZIPs with the most tracked Caldwell, NC residential listings: 28645 15 listings, 3 candidates, bank pressure 61; 28638 2 listings, 0 candidates, bank pressure 63; 28630 1 listings, 1 candidates, bank pressure 63; 28611 0 listings, 0 candidates, bank pressure 61 (Caldwell, NC); 28667 0 listings, 0 candidates, bank pressure 63. Caldwell, NC totals: 18 listings; Caldwell, NC candidates 4; active ZIPs 1.
HUD assisted housing in Caldwell, NC
4 assisted properties with 123 units sit in Caldwell, NC; largest Caldwell, NC properties: Koinonia Apartments (Lenoir) 84 units, 84 assisted; Granite Village Apartments (Granite Falls) 24 units, 24 assisted; Cac Of Caldwell Co. (Lenoir) 8 units, 8 assisted in Caldwell, NC; Arc/Hds Caldwell Co Gh #2 (Lenoir) 7 units, 6 assisted.
Lenders with branches in Caldwell, NC
Caldwell, NC lenders by branch count: First-Citizens Bank&Trust Co (Caldwell, NC): stress 71, 3 branches moderate in Caldwell, NC; Truist Bank (Caldwell, NC): stress 62, 1 branch moderate in Caldwell, NC.
Vacancy and permits, Caldwell, NC
4,468 of 37,387 Caldwell, NC housing units are vacant; Caldwell, NC permits, twelve months: 144 multifamily units in Caldwell, NC, 311 one-to-four unit units.
Work Caldwell, NC at the parcel level
Every Caldwell, NC parcel carries owner and address; every Caldwell, NC parcel carries APN; Caldwell, NC distress scores sit on the Caldwell, NC live board.
Caldwell, NC figures refresh with each source.
Caldwell, NC questions
Most distressed ZIP code in Caldwell County, NC?
ZIP 28606 leads Caldwell, NC at 34/100; next in Caldwell, NC: 28624 at 34/100; the Caldwell, NC average is 30/100.
Where does Caldwell County, NC rank for investment opportunity?
Caldwell, NC is #937 among all ranked counties, #48 in North Carolina; the Caldwell, NC driver is vacancy; Caldwell, NC moved up 249 places.
How many mortgages are delinquent in Caldwell County, NC?
Caldwell, NC takes the metro area reading of 1.7% for December 2025; no CFPB county sample covers Caldwell, NC.
Which banks lend in Caldwell County, NC?
2 watched lenders hold Caldwell, NC branches; the largest Caldwell, NC footprints are First-Citizens Bank&Trust Co (3), Truist Bank (1).
More on Caldwell, NC
Caldwell County, NC distress report: public-record figures for Caldwell, NC; not legal advice for Caldwell, NC; not tax or investment advice; verify every Caldwell, NC record before acting.