Cleveland County, NC Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Cleveland County, NC distress report, 2026: 15 ZIPs scored in Cleveland, NC, Cleveland, NC average 29/100; the top Cleveland, NC ZIP is 28021 at 30/100; Cleveland, NC market phase peak, Cleveland, NC prices +1.9% year over year.
- Cleveland, NC ranks #704 nationally (opportunity index); Cleveland, NC #33 in North Carolina; Cleveland, NC index 32.4.
- Cleveland, NC: no CFPB county sample; Cleveland, NC non-metro area reading 1.3%.
- Cleveland, NC ZIP phases: 15 peak.
- Cleveland, NC residential listings tracked: 42 across 12 ZIPs; Cleveland, NC candidate listings 13.
- Cleveland, NC HUD assisted properties: 7 with 292 units.
- Cleveland, NC lenders on watch: 3; largest Cleveland, NC footprint Truist Bank (2 branches).
- Cleveland, NC most distressed ZIP: 28021 at 30/100.
Cleveland, NC figures: DLRadar distress index; Cleveland, NC inputs: CFPB, FHFA, HUD, FDIC; Cleveland, NC rebuilt as sources refresh.
| Rank | Cleveland, NC ZIP | Score |
|---|---|---|
| 1 | 28021 | 30/100 |
| 2 | 28040 | 30/100 |
| 3 | 28086 | 30/100 |
| 4 | 28114 | 30/100 |
| 5 | 28017 | 29/100 |
| 6 | 28020 | 29/100 |
| 7 | 28042 | 29/100 |
| 8 | 28073 | 29/100 |
| 9 | 28089 | 29/100 |
| 10 | 28090 | 29/100 |
| 11 | 28136 | 29/100 |
| 12 | 28150 | 29/100 |
Most distressed Cleveland, NC ZIPs (0-100, 2026)
Mortgage delinquency around Cleveland, NC
No CFPB county sample covers Cleveland, NC; the non-metro area reading for Cleveland, NC: 1.3% ninety-plus; Cleveland, NC area thirty-to-eighty-nine 3.4% (December 2025, Cleveland, NC); North Carolina overall 0.9%.
Opportunity index: Cleveland, NC
Cleveland, NC index 32.4, Cleveland, NC phase watchlist; Cleveland, NC primary driver vacancy, Cleveland, NC second driver construction. Cleveland, NC components: property stress 21.6, foreclosure pressure 21.5, listing discounts 38.3, bank stress 51.1, insurance 0.0; Cleveland, NC pulse 34.4; Cleveland, NC capital opportunity 29.5; Cleveland, NC seven-day change -0.6%.
ZIP market phases inside Cleveland, NC
15 Cleveland, NC ZIPs carry a price-cycle phase; Cleveland, NC ZIPs by phase (Cleveland, NC), deepest drawdown first: peak, +1.9% YoY (Cleveland, NC): 28017, 28020, 28040, 28042, Cleveland, NC 28073, 28089, 28090, 28114, Cleveland, NC 28136, 28150, 28152, 28169; peak, +1.2% YoY (Cleveland, NC): 28021; peak, +1.7% YoY (Cleveland, NC): 28086; peak, +1.5% YoY (Cleveland, NC): 28168.
Residential listings by Cleveland, NC ZIP
Cleveland, NC ZIPs with the most tracked Cleveland, NC residential listings: 28150 21 listings, 9 candidates, bank pressure 57; 28086 8 listings, 2 candidates, bank pressure 56; 28152 8 listings, 0 candidates, bank pressure 56; 28114 3 listings, 2 candidates, bank pressure 57 (Cleveland, NC); 28073 1 listings, 0 candidates, bank pressure 56; 28090 1 listings, 0 candidates, bank pressure 59; 28017 0 listings, 0 candidates, bank pressure 56; 28020 0 listings, 0 candidates, bank pressure 57. Cleveland, NC totals: 42 listings; Cleveland, NC candidates 13; active ZIPs 2.
HUD assisted housing in Cleveland, NC
7 assisted properties with 292 units sit in Cleveland, NC; largest Cleveland, NC properties: Laurel Hill Apartments Aka Darwood North, Llc (Shelby) 100 units, 94 assisted; West Warren Manor (Shelby) 48 units, 48 assisted; Kings Mountain Manor (Kings Mountain) 42 units, 42 assisted in Cleveland, NC; Lions Senior Village (Shelby) 40 units, 40 assisted; Marion West (Shelby) 37 units, 37 assisted; Ric Shelby Apartments (Shelby) 15 units, 14 assisted.
Lenders with branches in Cleveland, NC
Cleveland, NC lenders by branch count: Truist Bank (Cleveland, NC): stress 62, 2 branches low in Cleveland, NC; Fidelity Bank (Cleveland, NC): stress 56, 1 branch low in Cleveland, NC; Hometrust Bank (Cleveland, NC): stress 49, 1 branch low in Cleveland, NC.
Vacancy and permits, Cleveland, NC
5,454 of 44,304 Cleveland, NC housing units are vacant; Cleveland, NC permits, twelve months: 150 multifamily units in Cleveland, NC, 401 one-to-four unit units.
Work Cleveland, NC at the parcel level
Every Cleveland, NC parcel carries owner and address; every Cleveland, NC parcel carries APN; Cleveland, NC distress scores sit on the Cleveland, NC live board.
Cleveland, NC figures refresh with each source.
Cleveland, NC questions
Most distressed ZIP code in Cleveland County, NC?
ZIP 28021 leads Cleveland, NC at 30/100; next in Cleveland, NC: 28040 at 30/100; the Cleveland, NC average is 29/100.
Where does Cleveland County, NC rank for investment opportunity?
Cleveland, NC is #704 among all ranked counties, #33 in North Carolina; the Cleveland, NC driver is vacancy; Cleveland, NC moved up 497 places.
How many mortgages are delinquent in Cleveland County, NC?
Cleveland, NC takes the non-metro area reading of 1.3% for December 2025; no CFPB county sample covers Cleveland, NC.
Which banks lend in Cleveland County, NC?
3 watched lenders hold Cleveland, NC branches; the largest Cleveland, NC footprints are Truist Bank (2), Fidelity Bank (1), Hometrust Bank (1).
More on Cleveland, NC
Cleveland County, NC distress report: public-record figures for Cleveland, NC; not legal advice for Cleveland, NC; not tax or investment advice; verify every Cleveland, NC record before acting.