Cherokee County, NC Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Cherokee County, North Carolina? DLRadar grades every Cherokee County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 28/100. Here is the 2026 Cherokee County breakdown.
- Cherokee County's most distressed ZIP is 28901 at 28/100.
- 4 ZIP codes tracked in Cherokee County, averaging 27/100 distress.
- Cherokee County reads peak — home values up 2.8% year over year.
- Vacancy runs 29.6% across Cherokee County's tracked ZIPs, with a 15.5% poverty rate.
- The typical Cherokee County home is worth about $222,350 against a ~$50,741 median income.
- Lending headwind in Cherokee County sits at 50/100 — a forward read on distressed supply.
Data drawn from the DLRadar distress index, recomputed monthly from public filings. Cite with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 28901 | 28/100 |
| 2 | 28905 | 28/100 |
| 3 | 28906 | 28/100 |
| 4 | 28902 | 24/100 |
Most distressed ZIP codes in Cherokee County (composite distress 0-100, 2026)
What is driving Cherokee County distress
Cherokee County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 27/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Cherokee County market phase and pricing
The cycle in Cherokee County is peak, with values up 2.8% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Cherokee County
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Frequently asked questions
Which ZIP code leads Cherokee County on distress?
ZIP 28901 leads Cherokee County at 28/100, recomputed monthly from public records.
How would you describe the Cherokee County market phase?
Phase for Cherokee County: peak, tracking a 2.8% gain year over year, read off the FHFA index.
What are the sources behind these Cherokee County numbers?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 4 Cherokee County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Cherokee County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Cherokee County ZIPs DLRadar ranks, scores run from 28/100 in 28901 down to 24/100 in 28902, against a Cherokee County average of 27/100. Because the gap runs to 4 points, Cherokee County rewards ZIP-level precision.
What do Cherokee County home values and vacancy say about distressed supply?
The typical Cherokee County home carries about $222,350 of value against a median household income near $50,741. Vacancy across Cherokee County's tracked ZIPs runs 29.6% and the poverty rate is 15.5%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Cherokee County's filings and its 50/100 lending headwind.
Related
A deterministic scoring of public filings. Nothing on this page constitutes investment, legal or financial advice. Monthly refresh from the live index.