Caldwell County, NC Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Caldwell County, North Carolina? DLRadar grades every Caldwell County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 35/100. Here is the 2026 Caldwell County breakdown.
- Caldwell County's most distressed ZIP is 28624 at 35/100.
- 10 ZIP codes tracked in Caldwell County, averaging 31/100 distress.
- Caldwell County reads peak — home values up 2.3% year over year.
- Vacancy runs 24.2% across Caldwell County's tracked ZIPs, with a 14% poverty rate.
- The typical Caldwell County home is worth about $223,500 against a ~$58,538 median income.
- Lending headwind in Caldwell County sits at 55/100 — a forward read on distressed supply.
All figures come from the monthly DLRadar distress index built on public records. Attribution to DLRadar (dlradar.com) appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 28624 | 35/100 |
| 2 | 28606 | 34/100 |
| 3 | 28605 | 33/100 |
| 4 | 28638 | 30/100 |
| 5 | 28645 | 30/100 |
| 6 | 28601 | 29/100 |
| 7 | 28630 | 29/100 |
| 8 | 28667 | 29/100 |
| 9 | 28611 | 28/100 |
| 10 | 28655 | 28/100 |
Most distressed ZIP codes in Caldwell County (composite distress 0-100, 2026)
What is driving Caldwell County distress
Nothing here is estimated: Caldwell County is scored from filings alone, and its ZIPs average 31/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Caldwell County market phase and pricing
Phase for Caldwell County: peak (+2.3% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Caldwell County
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What people ask
Which ZIP code leads Caldwell County on distress?
ZIP 28624 leads Caldwell County at 35/100, recomputed monthly from public records.
Which phase does Caldwell County sit in right now?
The market phase for Caldwell County is peak, prices rising 2.3% on the year — derived from the FHFA House Price Index path.
Which datasets feed the Caldwell County scores?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 10 Caldwell County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Caldwell County ZIP codes?
The county figure is a blend, not a description. Across the Caldwell County ZIPs DLRadar ranks, scores run from 35/100 in 28624 down to 28/100 in 28655, against a Caldwell County average of 31/100. With 7 points between best and worst, county-level targeting in Caldwell County wastes effort.
What do Caldwell County home values and vacancy say about distressed supply?
The typical Caldwell County home carries about $223,500 of value against a median household income near $58,538. Vacancy across Caldwell County's tracked ZIPs runs 24.2% and the poverty rate is 14%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Caldwell County's foreclosure and lien data and its 55/100 lending headwind.
Related
This is a deterministic read of public filings, not advice of any kind — investment, legal or financial. The underlying index updates each month.