Durham County, NC Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Durham County, NC distress report, 2026: 17 ZIPs scored in Durham, NC, Durham, NC average 28/100; the top Durham, NC ZIP is 27560 at 33/100; Durham, NC market phase peak, Durham, NC prices +1.3% year over year.
- Durham, NC ranks #2,345 nationally (opportunity index); Durham, NC #95 in North Carolina; Durham, NC index 26.5.
- Durham, NC ninety-day mortgage delinquency 0.5% in December 2025; Durham, NC twelve-month change 0.0%.
- Durham, NC ZIP phases: 17 peak.
- Durham, NC residential listings tracked: 74 across 10 ZIPs; Durham, NC candidate listings 18.
- Durham, NC HUD assisted properties: 17 with 1,368 units.
- Durham, NC lenders on watch: 5; largest Durham, NC footprint Truist Bank (8 branches).
- Durham, NC most distressed ZIP: 27560 at 33/100.
Durham, NC figures: DLRadar distress index; Durham, NC inputs: CFPB, FHFA, HUD, FDIC; Durham, NC rebuilt as sources refresh.
| Rank | Durham, NC ZIP | Score |
|---|---|---|
| 1 | 27560 | 33/100 |
| 2 | 27613 | 33/100 |
| 3 | 27617 | 33/100 |
| 4 | 27503 | 28/100 |
| 5 | 27701 | 28/100 |
| 6 | 27703 | 28/100 |
| 7 | 27704 | 28/100 |
| 8 | 27705 | 28/100 |
| 9 | 27707 | 28/100 |
| 10 | 27708 | 28/100 |
| 11 | 27709 | 28/100 |
| 12 | 27712 | 28/100 |
Most distressed Durham, NC ZIPs (0-100, 2026)
Mortgage delinquency in Durham, NC
0.5% of Durham, NC mortgages were ninety-plus days late (Durham, NC, December 2025); Durham, NC thirty-to-eighty-nine days late: 1.1%; Durham, NC twelve-month change 0.0%; Durham, NC peak since 2008: 4.5% (May 2010); North Carolina overall 0.9%. Durham, NC ninety-day series: Dec 24 0.5, Jan 25 0.6, Feb 25 0.7 (Durham, NC), Mar 25 0.6, Apr 25 0.5, May 25 0.6 (Durham, NC), Jun 25 0.6, Jul 25 0.5, Aug 25 0.6 (Durham, NC), Sep 25 0.5, Oct 25 0.6, Nov 25 0.4 (Durham, NC), Dec 25 0.5.
Opportunity index: Durham, NC
Durham, NC index 26.5, Durham, NC phase weak; Durham, NC primary driver bank institutional, Durham, NC second driver vacancy. Durham, NC components: property stress 20.8, foreclosure pressure 21.8, listing discounts 28.8, bank stress 55.3, insurance 0.0; Durham, NC pulse 27.7; Durham, NC capital opportunity 24.7; Durham, NC seven-day change -0.9%.
ZIP market phases inside Durham, NC
17 Durham, NC ZIPs carry a price-cycle phase; Durham, NC ZIPs by phase (Durham, NC), deepest drawdown first: peak, +1.3% YoY, 0.4% off peak (Durham, NC): 27278, 27503, 27517, 27583, Durham, NC 27701, 27704, 27705, 27707, Durham, NC 27708, 27709, 27712, 27713, Durham, NC 27703; peak, +1.6% YoY, 0.3% off peak (Durham, NC): 27572; peak, +0.8% YoY, 0.2% off peak (Durham, NC): 27613, 27560.
Residential listings by Durham, NC ZIP
Durham, NC ZIPs with the most tracked Durham, NC residential listings: 27703 24 listings, 2 candidates, bank pressure 59; 27704 16 listings, 2 candidates, bank pressure 63; 27713 12 listings, 5 candidates, bank pressure 59; 27707 9 listings, 1 candidates, bank pressure 63 (Durham, NC); 27705 7 listings, 4 candidates, bank pressure 63; 27701 3 listings, 3 candidates, bank pressure 63; 27712 3 listings, 1 candidates, bank pressure 63; 27503 0 listings, 0 candidates, bank pressure 63. Durham, NC totals: 74 listings; Durham, NC candidates 18; active ZIPs 7.
HUD assisted housing in Durham, NC
17 assisted properties with 1,368 units sit in Durham, NC; largest Durham, NC properties: Morreene Road Apartments (Durham) 224 units, 224 assisted; Briar Green Apartments (Durham) 200 units; Naples Terrace - 053-003-Ni (Durham) 161 units in Durham, NC; Durham Hosiery Mill (Durham) 151 units, 150 assisted; Damar Court (Durham) 102 units, 102 assisted; Amber Oaks Apartments (Durham) 96 units.
Lenders with branches in Durham, NC
Durham, NC lenders by branch count: Truist Bank (Durham, NC): stress 62, 8 branches moderate in Durham, NC; Bank Of America Na (Durham, NC): stress 71, 5 branches moderate in Durham, NC; First-Citizens Bank&Trust Co (Durham, NC): stress 71, 4 branches moderate in Durham, NC; Mechanics&Farmers Bank (Durham, NC): stress 62, 3 branches moderate in Durham, NC; Fidelity Bank (Durham, NC): stress 56, 1 branch moderate in Durham, NC.
Vacancy and permits, Durham, NC
11,175 of 153,022 Durham, NC housing units are vacant; Durham, NC permits, twelve months: 3,080 multifamily units in Durham, NC, 2,223 one-to-four unit units.
Work Durham, NC at the parcel level
Every Durham, NC parcel carries owner and address; every Durham, NC parcel carries APN; Durham, NC distress scores sit on the Durham, NC live board.
Durham, NC figures refresh with each source.
Durham, NC questions
Most distressed ZIP code in Durham County, NC?
ZIP 27560 leads Durham, NC at 33/100; next in Durham, NC: 27613 at 33/100; the Durham, NC average is 28/100.
Where does Durham County, NC rank for investment opportunity?
Durham, NC is #2,345 among all ranked counties, #95 in North Carolina; the Durham, NC driver is bank institutional; Durham, NC moved up 335 places.
How many mortgages are delinquent in Durham County, NC?
0.5% of Durham, NC mortgages were ninety-plus days late in December 2025; the Durham, NC peak since 2008 was 4.5%.
Which banks lend in Durham County, NC?
5 watched lenders hold Durham, NC branches; the largest Durham, NC footprints are Truist Bank (8), Bank Of America Na (5), First-Citizens Bank&Trust Co (4).
More on Durham, NC
Durham County, NC distress report: public-record figures for Durham, NC; not legal advice for Durham, NC; not tax or investment advice; verify every Durham, NC record before acting.