Cherokee County, NC Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Cherokee County, NC distress report, 2026: 4 ZIPs scored in Cherokee, NC, Cherokee, NC average 26/100; the top Cherokee, NC ZIP is 28901 at 27/100; Cherokee, NC market phase peak, Cherokee, NC prices +2.8% year over year.
- Cherokee, NC ranks #187 nationally (opportunity index); Cherokee, NC #9 in North Carolina; Cherokee, NC index 36.0.
- Cherokee, NC: no CFPB county sample; Cherokee, NC non-metro area reading 1.3%.
- Cherokee, NC ZIP phases: 4 peak.
- Cherokee, NC residential listings tracked: 34 across 3 ZIPs; Cherokee, NC candidate listings 14.
- Cherokee, NC HUD assisted properties: 2 with 21 units.
- Cherokee, NC lenders on watch: 3; largest Cherokee, NC footprint First-Citizens Bank&Trust Co (1 branch).
- Cherokee, NC most distressed ZIP: 28901 at 27/100.
Cherokee, NC figures: DLRadar distress index; Cherokee, NC inputs: CFPB, FHFA, HUD, FDIC; Cherokee, NC rebuilt as sources refresh.
| Rank | Cherokee, NC ZIP | Score |
|---|---|---|
| 1 | 28901 | 27/100 |
| 2 | 28905 | 27/100 |
| 3 | 28906 | 27/100 |
| 4 | 28902 | 22/100 |
Most distressed Cherokee, NC ZIPs (0-100, 2026)
Mortgage delinquency around Cherokee, NC
No CFPB county sample covers Cherokee, NC; the non-metro area reading for Cherokee, NC: 1.3% ninety-plus; Cherokee, NC area thirty-to-eighty-nine 3.4% (December 2025, Cherokee, NC); North Carolina overall 0.9%.
Opportunity index: Cherokee, NC
Cherokee, NC index 36.0, Cherokee, NC phase peak_opportunity; Cherokee, NC primary driver vacancy, Cherokee, NC second driver bank institutional. Cherokee, NC components: property stress 29.0, foreclosure pressure 30.4, listing discounts 37.1, bank stress 57.5, insurance 0.0; Cherokee, NC pulse 40.5; Cherokee, NC capital opportunity 29.2; Cherokee, NC seven-day change -0.7%.
ZIP market phases inside Cherokee, NC
4 Cherokee, NC ZIPs carry a price-cycle phase; Cherokee, NC ZIPs by phase (Cherokee, NC), deepest drawdown first: peak, +2.8% YoY (Cherokee, NC): 28901, 28902, 28905, 28906.
Residential listings by Cherokee, NC ZIP
Cherokee, NC ZIPs with the most tracked Cherokee, NC residential listings: 28906 25 listings, 12 candidates, bank pressure 63; 28905 5 listings, 2 candidates, bank pressure 63; 28901 4 listings, 0 candidates, bank pressure 63. Cherokee, NC totals: 34 listings; Cherokee, NC candidates 14; active ZIPs 1.
HUD assisted housing in Cherokee, NC
2 assisted properties with 21 units sit in Cherokee, NC; largest Cherokee, NC properties: Andrews Gardens Apts. (Andrews) 14 units, 14 assisted; Arc/Hds Cherokee Co Gh #2 (Murphy) 7 units, 6 assisted.
Lenders with branches in Cherokee, NC
Cherokee, NC lenders by branch count: First-Citizens Bank&Trust Co (Cherokee, NC): stress 71, 1 branch low in Cherokee, NC; Nantahala Bank&Trust Co (Cherokee, NC): stress 63, 1 branch low in Cherokee, NC; Truist Bank (Cherokee, NC): stress 62, 1 branch low in Cherokee, NC.
Vacancy and permits, Cherokee, NC
5,163 of 18,404 Cherokee, NC housing units are vacant; Cherokee, NC permits, twelve months: 0 multifamily units in Cherokee, NC, 222 one-to-four unit units.
Work Cherokee, NC at the parcel level
Every Cherokee, NC parcel carries owner and address; every Cherokee, NC parcel carries APN; Cherokee, NC distress scores sit on the Cherokee, NC live board.
Cherokee, NC figures refresh with each source.
Cherokee, NC questions
Most distressed ZIP code in Cherokee County, NC?
ZIP 28901 leads Cherokee, NC at 27/100; next in Cherokee, NC: 28905 at 27/100; the Cherokee, NC average is 26/100.
Where does Cherokee County, NC rank for investment opportunity?
Cherokee, NC is #187 among all ranked counties, #9 in North Carolina; the Cherokee, NC driver is vacancy; Cherokee, NC moved up 27 places.
How many mortgages are delinquent in Cherokee County, NC?
Cherokee, NC takes the non-metro area reading of 1.3% for December 2025; no CFPB county sample covers Cherokee, NC.
Which banks lend in Cherokee County, NC?
3 watched lenders hold Cherokee, NC branches; the largest Cherokee, NC footprints are First-Citizens Bank&Trust Co (1), Nantahala Bank&Trust Co (1), Truist Bank (1).
More on Cherokee, NC
Cherokee County, NC distress report: public-record figures for Cherokee, NC; not legal advice for Cherokee, NC; not tax or investment advice; verify every Cherokee, NC record before acting.