Durham County, NC Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Durham County, North Carolina? DLRadar grades every Durham County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 34/100. Here is the 2026 Durham County breakdown.
- Durham County's most distressed ZIP is 27560 at 34/100.
- 17 ZIP codes tracked in Durham County, averaging 31/100 distress.
- Durham County reads peak — home values up 1.3% year over year, 0.4% off peak.
- Vacancy runs 6.9% across Durham County's tracked ZIPs, with a 9.7% poverty rate.
- The typical Durham County home is worth about $423,440 against a ~$91,783 median income.
- Lending headwind in Durham County sits at 47/100 — a forward read on distressed supply.
All numbers: DLRadar's monthly public-record distress index. Reuse is welcome with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 27560 | 34/100 |
| 2 | 27613 | 34/100 |
| 3 | 27617 | 34/100 |
| 4 | 27503 | 32/100 |
| 5 | 27701 | 32/100 |
| 6 | 27703 | 32/100 |
| 7 | 27704 | 32/100 |
| 8 | 27707 | 32/100 |
| 9 | 27708 | 32/100 |
| 10 | 27709 | 32/100 |
| 11 | 27712 | 32/100 |
| 12 | 27705 | 31/100 |
Most distressed ZIP codes in Durham County (composite distress 0-100, 2026)
What is driving Durham County distress
Nothing here is estimated: Durham County is scored from filings alone, and its ZIPs average 31/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Durham County market phase and pricing
Durham County currently sits in peak after a 1.3% gain in the past twelve months, 0.4% off the high. Slower absorption is the mechanism that converts price weakness into motivated supply.
See the distressed properties behind the data in Durham County
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Frequently asked
What is the hardest-hit ZIP in Durham County?
ZIP 27560 leads Durham County at 34/100, recomputed monthly from public records.
Where is Durham County in the housing cycle?
FHFA price-index movement places Durham County in peak; prices are up 1.3% over twelve months.
What is this Durham County analysis built from?
Every Durham County figure traces to a public source — FHFA House Price Index for the peak trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 17 Durham County ZIP codes that it runs on every other U.S. county, so Durham County's numbers are directly comparable to any other market.
How much do distress scores vary between Durham County ZIP codes?
A single county score papers over real variation. Across the Durham County ZIPs DLRadar ranks, scores run from 34/100 in 27560 down to 31/100 in 27705, against a Durham County average of 31/100. A spread of 3 points means Durham County has to be worked ZIP by ZIP.
What do Durham County home values and vacancy say about distressed supply?
The typical Durham County home carries about $423,440 of value against a median household income near $91,783. Vacancy across Durham County's tracked ZIPs runs 6.9% and the poverty rate is 9.7%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Durham County's foreclosure and lien filings and its 47/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.