Charleston County, SC Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Charleston County, SC distress report, 2026: 31 ZIPs scored in Charleston, SC, Charleston, SC average 36/100; the top Charleston, SC ZIP is 29401 at 36/100; Charleston, SC market phase neutral, Charleston, SC prices +4.2% year over year.
- Charleston, SC ranks #608 nationally (opportunity index); Charleston, SC #24 in South Carolina; Charleston, SC index 32.8.
- Charleston, SC ninety-day mortgage delinquency 0.5% in December 2025; Charleston, SC twelve-month change 0.0%.
- Charleston, SC ZIP phases: 31 neutral.
- Charleston, SC residential listings tracked: 303 across 26 ZIPs; Charleston, SC candidate listings 56.
- Charleston, SC HUD assisted properties: 18 with 1,909 units.
- Charleston, SC lenders on watch: 8; largest Charleston, SC footprint Beacon Community Bank (5 branches).
- Charleston, SC most distressed ZIP: 29401 at 36/100.
Charleston, SC figures: DLRadar distress index; Charleston, SC inputs: CFPB, FHFA, HUD, FDIC; Charleston, SC rebuilt as sources refresh.
| Rank | Charleston, SC ZIP | Score |
|---|---|---|
| 1 | 29401 | 36/100 |
| 2 | 29403 | 36/100 |
| 3 | 29404 | 36/100 |
| 4 | 29405 | 36/100 |
| 5 | 29406 | 36/100 |
| 6 | 29407 | 36/100 |
| 7 | 29409 | 36/100 |
| 8 | 29412 | 36/100 |
| 9 | 29414 | 36/100 |
| 10 | 29418 | 36/100 |
| 11 | 29424 | 36/100 |
| 12 | 29425 | 36/100 |
Most distressed Charleston, SC ZIPs (0-100, 2026)
Mortgage delinquency in Charleston, SC
0.5% of Charleston, SC mortgages were ninety-plus days late (Charleston, SC, December 2025); Charleston, SC thirty-to-eighty-nine days late: 1.5%; Charleston, SC twelve-month change 0.0%; Charleston, SC peak since 2008: 3.9% (March 2010); South Carolina overall 1.2%. Charleston, SC ninety-day series: Dec 24 0.5, Jan 25 0.6, Feb 25 0.6 (Charleston, SC), Mar 25 0.5, Apr 25 0.5, May 25 0.5 (Charleston, SC), Jun 25 0.5, Jul 25 0.4, Aug 25 0.5 (Charleston, SC), Sep 25 0.7, Oct 25 0.7, Nov 25 0.6 (Charleston, SC), Dec 25 0.5.
Opportunity index: Charleston, SC
Charleston, SC index 32.8, Charleston, SC phase peak_opportunity; Charleston, SC primary driver construction, Charleston, SC second driver vacancy. Charleston, SC components: property stress 26.1, foreclosure pressure 27.2, listing discounts 29.8, bank stress 55.9, insurance 0.0; Charleston, SC pulse 37.1; Charleston, SC capital opportunity 26.3; Charleston, SC seven-day change -0.2%.
ZIP market phases inside Charleston, SC
31 Charleston, SC ZIPs carry a price-cycle phase; Charleston, SC ZIPs by phase (Charleston, SC), deepest drawdown first: neutral, +4.2% YoY (Charleston, SC): 29401, 29403, 29404, 29405, Charleston, SC 29406, 29407, 29409, 29410, Charleston, SC 29412, 29414, 29418, 29420, Charleston, SC 29424, 29425, 29426, 29429.
Residential listings by Charleston, SC ZIP
Charleston, SC ZIPs with the most tracked Charleston, SC residential listings: 29464 72 listings, 15 candidates, bank pressure 60; 29466 70 listings, 7 candidates, bank pressure 60; 29414 33 listings, 3 candidates, bank pressure 60; 29412 28 listings, 7 candidates, bank pressure 60 (Charleston, SC); 29455 21 listings, 8 candidates, bank pressure 60; 29403 15 listings, 1 candidates, bank pressure 60; 29456 14 listings, 0 candidates, bank pressure 60; 29407 11 listings, 0 candidates, bank pressure 60. Charleston, SC totals: 303 listings; Charleston, SC candidates 56; active ZIPs 3.
HUD assisted housing in Charleston, SC
18 assisted properties with 1,909 units sit in Charleston, SC; largest Charleston, SC properties: Horizon Village (North Charleston) 306 units; Cypress River Apartments (Ladson) 280 units; Abberly @ West Ashley (Charleston) 212 units in Charleston, SC; Canterbury House - West (Charleston) 198 units, 20 assisted; Oakfield Apartments (North Charleston) 184 units, 184 assisted; Fairwind Apartments (North Charleston) 168 units, 168 assisted.
Lenders with branches in Charleston, SC
Charleston, SC lenders by branch count: Beacon Community Bank (Charleston, SC): stress 88, 5 branches low in Charleston, SC; Bank Of South Carolina (Charleston, SC): stress 57, 5 branches low in Charleston, SC; Bank Of The Lowcountry (Charleston, SC): stress 84, 3 branches low in Charleston, SC; United Community Bank (Charleston, SC): stress 56, 3 branches low in Charleston, SC; Southern First Bank (Charleston, SC): stress 76, 2 branches low in Charleston, SC; South Atlantic Bank (Charleston, SC): stress 74, 2 branches low in Charleston, SC; First Capital Bank (Charleston, SC): stress 70, 2 branches low in Charleston, SC; First Reliance Bank (Charleston, SC): stress 66, 2 branches low in Charleston, SC.
Vacancy and permits, Charleston, SC
30,828 of 209,803 Charleston, SC housing units are vacant; Charleston, SC permits, twelve months: 873 multifamily units in Charleston, SC, 2,246 one-to-four unit units.
Work Charleston, SC at the parcel level
Every Charleston, SC parcel carries owner and address; every Charleston, SC parcel carries APN; Charleston, SC distress scores sit on the Charleston, SC live board.
Charleston, SC figures refresh with each source.
Charleston, SC questions
Most distressed ZIP code in Charleston County, SC?
ZIP 29401 leads Charleston, SC at 36/100; next in Charleston, SC: 29403 at 36/100; the Charleston, SC average is 36/100.
Where does Charleston County, SC rank for investment opportunity?
Charleston, SC is #608 among all ranked counties, #24 in South Carolina; the Charleston, SC driver is construction; Charleston, SC moved down 17 places.
How many mortgages are delinquent in Charleston County, SC?
0.5% of Charleston, SC mortgages were ninety-plus days late in December 2025; the Charleston, SC peak since 2008 was 3.9%.
Which banks lend in Charleston County, SC?
8 watched lenders hold Charleston, SC branches; the largest Charleston, SC footprints are Beacon Community Bank (5), Bank Of South Carolina (5), Bank Of The Lowcountry (3).
More on Charleston, SC
Charleston County, SC distress report: public-record figures for Charleston, SC; not legal advice for Charleston, SC; not tax or investment advice; verify every Charleston, SC record before acting.