Cumberland County, NC Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Cumberland County, NC distress report, 2026: 25 ZIPs scored in Cumberland, NC, Cumberland, NC average 36/100; the top Cumberland, NC ZIP is 28301 at 37/100; Cumberland, NC market phase peak, Cumberland, NC prices +2.3% year over year.
- Cumberland, NC ranks #608 nationally (opportunity index); Cumberland, NC #28 in North Carolina; Cumberland, NC index 32.8.
- Cumberland, NC ninety-day mortgage delinquency 1.5% in December 2025; Cumberland, NC twelve-month change +0.5%.
- Cumberland, NC ZIP phases: 25 peak.
- Cumberland, NC residential listings tracked: 119 across 17 ZIPs; Cumberland, NC candidate listings 31.
- Cumberland, NC HUD assisted properties: 33 with 3,665 units.
- Cumberland, NC lenders on watch: 6; largest Cumberland, NC footprint Truist Bank (9 branches).
- Cumberland, NC most distressed ZIP: 28301 at 37/100.
Cumberland, NC figures: DLRadar distress index; Cumberland, NC inputs: CFPB, FHFA, HUD, FDIC; Cumberland, NC rebuilt as sources refresh.
| Rank | Cumberland, NC ZIP | Score |
|---|---|---|
| 1 | 28301 | 37/100 |
| 2 | 28303 | 37/100 |
| 3 | 28304 | 37/100 |
| 4 | 28305 | 37/100 |
| 5 | 28306 | 37/100 |
| 6 | 28307 | 37/100 |
| 7 | 28308 | 37/100 |
| 8 | 28310 | 37/100 |
| 9 | 28311 | 37/100 |
| 10 | 28312 | 37/100 |
| 11 | 28314 | 37/100 |
| 12 | 28331 | 37/100 |
Most distressed Cumberland, NC ZIPs (0-100, 2026)
Mortgage delinquency in Cumberland, NC
1.5% of Cumberland, NC mortgages were ninety-plus days late (Cumberland, NC, December 2025); Cumberland, NC thirty-to-eighty-nine days late: 3.0%; Cumberland, NC twelve-month change +0.5%; Cumberland, NC peak since 2008: 3.9% (February 2010); North Carolina overall 0.9%. Cumberland, NC ninety-day series: Dec 24 1.0, Jan 25 1.3, Feb 25 1.2 (Cumberland, NC), Mar 25 1.0, Apr 25 0.9, May 25 1.2 (Cumberland, NC), Jun 25 1.1, Jul 25 1.0, Aug 25 1.1 (Cumberland, NC), Sep 25 1.3, Oct 25 1.3, Nov 25 1.2 (Cumberland, NC), Dec 25 1.5.
Opportunity index: Cumberland, NC
Cumberland, NC index 32.8, Cumberland, NC phase peak_opportunity; Cumberland, NC primary driver construction, Cumberland, NC second driver bank institutional. Cumberland, NC components: property stress 18.4, foreclosure pressure 17.5, listing discounts 36.2, bank stress 55.1, insurance 0.0; Cumberland, NC pulse 36.4; Cumberland, NC capital opportunity 27.3; Cumberland, NC seven-day change -0.3%.
ZIP market phases inside Cumberland, NC
25 Cumberland, NC ZIPs carry a price-cycle phase; Cumberland, NC ZIPs by phase (Cumberland, NC), deepest drawdown first: peak, +2.3% YoY, 0.7% off peak (Cumberland, NC): 28301, 28303, 28304, 28305, Cumberland, NC 28307, 28308, 28310, 28311, Cumberland, NC 28314, 28331, 28342, 28348, Cumberland, NC 28395, 28391, 28306; peak, +2.4% YoY, 0.6% off peak (Cumberland, NC): 28312.
Residential listings by Cumberland, NC ZIP
Cumberland, NC ZIPs with the most tracked Cumberland, NC residential listings: 28348 21 listings, 7 candidates, bank pressure 55; 28304 17 listings, 1 candidates, bank pressure 57; 28314 17 listings, 4 candidates, bank pressure 55; 28303 15 listings, 4 candidates, bank pressure 55 (Cumberland, NC); 28306 15 listings, 5 candidates, bank pressure 57; 28311 13 listings, 2 candidates, bank pressure 55; 28312 9 listings, 6 candidates, bank pressure 55; 28301 7 listings, 1 candidates, bank pressure 55. Cumberland, NC totals: 119 listings; Cumberland, NC candidates 31; active ZIPs 12.
HUD assisted housing in Cumberland, NC
33 assisted properties with 3,665 units sit in Cumberland, NC; largest Cumberland, NC properties: Reserve At Carrington Place (The) (Ph I & Ii) (Fayetteville) 456 units; Legacy At Cross Creek Apartments (Fayetteville) 360 units; The Preserve At Grande Oaks (Fayetteville) 315 units in Cumberland, NC; Independence Place West Fayetteville (Fayetteville) 300 units; Village On The Lake (Spring Lake) 300 units; Stone Gate Apartments (Spring Lake) 264 units.
Lenders with branches in Cumberland, NC
Cumberland, NC lenders by branch count: Truist Bank (Cumberland, NC): stress 62, 9 branches low in Cumberland, NC; First-Citizens Bank&Trust Co (Cumberland, NC): stress 71, 7 branches low in Cumberland, NC; Bank Of America Na (Cumberland, NC): stress 71, 3 branches low in Cumberland, NC; Lumbee Guaranty Bank (Cumberland, NC): stress 78, 2 branches low in Cumberland, NC; Fidelity Bank (Cumberland, NC): stress 56, 1 branch low in Cumberland, NC; First Bank (Cumberland, NC): stress 47, 1 branch low in Cumberland, NC.
Vacancy and permits, Cumberland, NC
14,040 of 143,798 Cumberland, NC housing units are vacant; Cumberland, NC permits, twelve months: 65 multifamily units in Cumberland, NC, 666 one-to-four unit units.
Work Cumberland, NC at the parcel level
Every Cumberland, NC parcel carries owner and address; every Cumberland, NC parcel carries APN; Cumberland, NC distress scores sit on the Cumberland, NC live board.
Cumberland, NC figures refresh with each source.
Cumberland, NC questions
Most distressed ZIP code in Cumberland County, NC?
ZIP 28301 leads Cumberland, NC at 37/100; next in Cumberland, NC: 28303 at 37/100; the Cumberland, NC average is 36/100.
Where does Cumberland County, NC rank for investment opportunity?
Cumberland, NC is #608 among all ranked counties, #28 in North Carolina; the Cumberland, NC driver is construction; Cumberland, NC moved up 189 places.
How many mortgages are delinquent in Cumberland County, NC?
1.5% of Cumberland, NC mortgages were ninety-plus days late in December 2025; the Cumberland, NC peak since 2008 was 3.9%.
Which banks lend in Cumberland County, NC?
6 watched lenders hold Cumberland, NC branches; the largest Cumberland, NC footprints are Truist Bank (9), First-Citizens Bank&Trust Co (7), Bank Of America Na (3).
More on Cumberland, NC
Cumberland County, NC distress report: public-record figures for Cumberland, NC; not legal advice for Cumberland, NC; not tax or investment advice; verify every Cumberland, NC record before acting.