Cumberland County, NC Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Cumberland County, North Carolina? DLRadar grades every Cumberland County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 38/100. Here is the 2026 Cumberland County breakdown.
- Cumberland County's most distressed ZIP is 28301 at 38/100.
- 25 ZIP codes tracked in Cumberland County, averaging 37/100 distress.
- Cumberland County reads peak — home values up 2.3% year over year, 0.7% off peak.
- Vacancy runs 16.1% across Cumberland County's tracked ZIPs, with a 19.1% poverty rate.
- The typical Cumberland County home is worth about $190,933 against a ~$59,008 median income.
- Lending headwind in Cumberland County sits at 33/100 — a forward read on distressed supply.
Figures: DLRadar distress index, rebuilt monthly from public filings. Free to reuse with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 28301 | 38/100 |
| 2 | 28303 | 38/100 |
| 3 | 28304 | 38/100 |
| 4 | 28305 | 38/100 |
| 5 | 28306 | 38/100 |
| 6 | 28307 | 38/100 |
| 7 | 28308 | 38/100 |
| 8 | 28310 | 38/100 |
| 9 | 28311 | 38/100 |
| 10 | 28312 | 38/100 |
| 11 | 28314 | 38/100 |
| 12 | 28331 | 38/100 |
Most distressed ZIP codes in Cumberland County (composite distress 0-100, 2026)
What is driving Cumberland County distress
The Cumberland County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 37/100 ZIP average. No proprietary or modelled inputs enter the score.
Cumberland County market phase and pricing
DLRadar places Cumberland County in peak; prices moved up 2.3% over the year and remain 0.7% under peak. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Cumberland County
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Questions and answers
Which ZIP code leads Cumberland County on distress?
ZIP 28301 leads Cumberland County at 38/100, recomputed monthly from public records.
What stage of the price cycle is Cumberland County at?
Cumberland County currently sits in peak, with values up 2.3% year on year, based on FHFA price-index trajectory.
Which datasets feed the Cumberland County scores?
Each Cumberland County number can be traced back to a federal or county source — FHFA, CFPB, the recorder, FEMA/NFIP and Census ACS. One deterministic model covers all 25 local ZIPs and every other county in the country.
How much do distress scores vary between Cumberland County ZIP codes?
Averaging the county conceals how uneven it is. Across the Cumberland County ZIPs DLRadar ranks, scores run from 38/100 in 28301 down to 38/100 in 28331, against a Cumberland County average of 37/100. Because the gap runs to 0 points, Cumberland County rewards ZIP-level precision.
What do Cumberland County home values and vacancy say about distressed supply?
The typical Cumberland County home carries about $190,933 of value against a median household income near $59,008. Vacancy across Cumberland County's tracked ZIPs runs 16.1% and the poverty rate is 19.1%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Cumberland County's foreclosure and lien filings and its 33/100 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.