Franklin County, NC Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Franklin County, NC distress report, 2026: 13 ZIPs scored in Franklin, NC, Franklin, NC average 25/100; the top Franklin, NC ZIP is 27557 at 33/100; Franklin, NC market phase peak, Franklin, NC prices +0.7% year over year.
- Franklin, NC ranks #1,775 nationally (opportunity index); Franklin, NC #73 in North Carolina; Franklin, NC index 28.5.
- Franklin, NC: no CFPB county sample; Franklin, NC metro area reading 0.6%.
- Franklin, NC ZIP phases: 10 peak, 3 contraction.
- Franklin, NC residential listings tracked: 8 across 5 ZIPs; Franklin, NC candidate listings 3.
- Franklin, NC HUD assisted properties: 4 with 137 units.
- Franklin, NC lenders on watch: 2; largest Franklin, NC footprint First-Citizens Bank&Trust Co (2 branches).
- Franklin, NC most distressed ZIP: 27557 at 33/100.
Franklin, NC figures: DLRadar distress index; Franklin, NC inputs: CFPB, FHFA, HUD, FDIC; Franklin, NC rebuilt as sources refresh.
| Rank | Franklin, NC ZIP | Score |
|---|---|---|
| 1 | 27557 | 33/100 |
| 2 | 27587 | 31/100 |
| 3 | 27597 | 30/100 |
| 4 | 27882 | 30/100 |
| 5 | 27816 | 27/100 |
| 6 | 27596 | 25/100 |
| 7 | 27508 | 23/100 |
| 8 | 27549 | 23/100 |
| 9 | 27844 | 22/100 |
| 10 | 27525 | 21/100 |
| 11 | 27537 | 21/100 |
| 12 | 27589 | 20/100 |
Most distressed Franklin, NC ZIPs (0-100, 2026)
Mortgage delinquency around Franklin, NC
No CFPB county sample covers Franklin, NC; the metro area reading for Franklin, NC (Raleigh-Cary, NC): 0.6% ninety-plus; Franklin, NC area thirty-to-eighty-nine 1.7% (December 2025, Franklin, NC); North Carolina overall 0.9%.
Opportunity index: Franklin, NC
Franklin, NC index 28.5, Franklin, NC phase early_signal; Franklin, NC primary driver bank institutional, Franklin, NC second driver vacancy. Franklin, NC components: property stress 20.1, foreclosure pressure 20.9, listing discounts 29.4, bank stress 55.5, insurance 0.0; Franklin, NC pulse 31.0; Franklin, NC capital opportunity 24.7; Franklin, NC seven-day change -0.4%.
ZIP market phases inside Franklin, NC
13 Franklin, NC ZIPs carry a price-cycle phase; Franklin, NC ZIPs by phase (Franklin, NC), deepest drawdown first: contraction, -1.6% YoY, 2.2% off peak (Franklin, NC): 27882; contraction, -1.1% YoY, 1.8% off peak (Franklin, NC): 27557; contraction, -0.7% YoY, 1.4% off peak (Franklin, NC): 27816; peak, +0.5% YoY, 0.4% off peak (Franklin, NC): 27597; peak, +0.7% YoY, 0.2% off peak (Franklin, NC): 27508, 27549; peak, +0.8% YoY, 0.2% off peak (Franklin, NC): 27596; peak, +0.9% YoY, 0.2% off peak (Franklin, NC): 27587; peak, +1.3% YoY, 0.1% off peak (Franklin, NC): 27525; peak, +1.9% YoY, 0.1% off peak (Franklin, NC): 27844; peak, +1.7% YoY, 0.1% off peak (Franklin, NC): 27544; peak, +1.9% YoY, 0.0% off peak (Franklin, NC): 27537; peak, +2.7% YoY, 0.0% off peak (Franklin, NC): 27589.
Residential listings by Franklin, NC ZIP
Franklin, NC ZIPs with the most tracked Franklin, NC residential listings: 27525 3 listings, 1 candidates, bank pressure 58; 27549 3 listings, 1 candidates, bank pressure 58; 27596 2 listings, 1 candidates, bank pressure 57; 27508 0 listings, 0 candidates, bank pressure 58 (Franklin, NC); 27816 0 listings, 0 candidates, bank pressure 59. Franklin, NC totals: 8 listings; Franklin, NC candidates 3; active ZIPs 3.
HUD assisted housing in Franklin, NC
4 assisted properties with 137 units sit in Franklin, NC; largest Franklin, NC properties: Green Hill Manor I (Louisburg) 72 units, 72 assisted; Academy Village Apartments (Franklinton) 50 units, 50 assisted; Cac Of Franklin Co. (Louisburg) 9 units, 9 assisted in Franklin, NC; Arc/Hds Franklin Co Gh (Louisburg) 6 units, 5 assisted.
Lenders with branches in Franklin, NC
Franklin, NC lenders by branch count: First-Citizens Bank&Trust Co (Franklin, NC): stress 71, 2 branches low in Franklin, NC; Truist Bank (Franklin, NC): stress 62, 1 branch low in Franklin, NC.
Vacancy and permits, Franklin, NC
3,238 of 31,767 Franklin, NC housing units are vacant; Franklin, NC permits, twelve months: 0 multifamily units in Franklin, NC, 920 one-to-four unit units.
Work Franklin, NC at the parcel level
Every Franklin, NC parcel carries owner and address; every Franklin, NC parcel carries APN; Franklin, NC distress scores sit on the Franklin, NC live board.
Franklin, NC figures refresh with each source.
Franklin, NC questions
Most distressed ZIP code in Franklin County, NC?
ZIP 27557 leads Franklin, NC at 33/100; next in Franklin, NC: 27587 at 31/100; the Franklin, NC average is 25/100.
Where does Franklin County, NC rank for investment opportunity?
Franklin, NC is #1,775 among all ranked counties, #73 in North Carolina; the Franklin, NC driver is bank institutional; Franklin, NC moved up 302 places.
How many mortgages are delinquent in Franklin County, NC?
Franklin, NC takes the metro area reading of 0.6% for December 2025; no CFPB county sample covers Franklin, NC.
Which banks lend in Franklin County, NC?
2 watched lenders hold Franklin, NC branches; the largest Franklin, NC footprints are First-Citizens Bank&Trust Co (2), Truist Bank (1).
More on Franklin, NC
Franklin County, NC distress report: public-record figures for Franklin, NC; not legal advice for Franklin, NC; not tax or investment advice; verify every Franklin, NC record before acting.