Gaston County, NC Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Gaston County, NC distress report, 2026: 18 ZIPs scored in Gaston, NC, Gaston, NC average 31/100; the top Gaston, NC ZIP is 28012 at 31/100; Gaston, NC market phase peak, Gaston, NC prices +1.0% year over year.
- Gaston, NC ranks #2,109 nationally (opportunity index); Gaston, NC #91 in North Carolina; Gaston, NC index 27.3.
- Gaston, NC ninety-day mortgage delinquency 1.2% in December 2025; Gaston, NC twelve-month change +0.8%.
- Gaston, NC ZIP phases: 18 peak.
- Gaston, NC residential listings tracked: 57 across 14 ZIPs; Gaston, NC candidate listings 19.
- Gaston, NC HUD assisted properties: 19 with 1,333 units.
- Gaston, NC lenders on watch: 5; largest Gaston, NC footprint Truist Bank (7 branches).
- Gaston, NC most distressed ZIP: 28012 at 31/100.
Gaston, NC figures: DLRadar distress index; Gaston, NC inputs: CFPB, FHFA, HUD, FDIC; Gaston, NC rebuilt as sources refresh.
| Rank | Gaston, NC ZIP | Score |
|---|---|---|
| 1 | 28012 | 31/100 |
| 2 | 28016 | 31/100 |
| 3 | 28032 | 31/100 |
| 4 | 28034 | 31/100 |
| 5 | 28052 | 31/100 |
| 6 | 28054 | 31/100 |
| 7 | 28056 | 31/100 |
| 8 | 28077 | 31/100 |
| 9 | 28098 | 31/100 |
| 10 | 28101 | 31/100 |
| 11 | 28120 | 31/100 |
| 12 | 28006 | 30/100 |
Most distressed Gaston, NC ZIPs (0-100, 2026)
Mortgage delinquency in Gaston, NC
1.2% of Gaston, NC mortgages were ninety-plus days late (Gaston, NC, December 2025); Gaston, NC thirty-to-eighty-nine days late: 3.0%; Gaston, NC twelve-month change +0.8%; Gaston, NC peak since 2008: 6.1% (January 2010); North Carolina overall 0.9%. Gaston, NC ninety-day series: Dec 24 0.4, Jan 25 0.9, Feb 25 1.0 (Gaston, NC), Mar 25 0.9, Apr 25 0.9, May 25 0.8 (Gaston, NC), Jun 25 0.8, Jul 25 0.8, Aug 25 1.1 (Gaston, NC), Sep 25 1.1, Oct 25 1.1, Nov 25 1.2 (Gaston, NC), Dec 25 1.2.
Opportunity index: Gaston, NC
Gaston, NC index 27.3, Gaston, NC phase weak; Gaston, NC primary driver bank institutional, Gaston, NC second driver construction. Gaston, NC components: property stress 18.9, foreclosure pressure 17.9, listing discounts 24.8, bank stress 53.9, insurance 0.0; Gaston, NC pulse 30.2; Gaston, NC capital opportunity 23.0; Gaston, NC seven-day change -0.6%.
ZIP market phases inside Gaston, NC
18 Gaston, NC ZIPs carry a price-cycle phase; Gaston, NC ZIPs by phase (Gaston, NC), deepest drawdown first: peak, +1.0% YoY (Gaston, NC): 28006, 28012, 28016, 28032, Gaston, NC 28033, 28034, 28052, 28054, Gaston, NC 28056, 28077, 28080, 28092, Gaston, NC 28098, 28101; peak, +1.2% YoY (Gaston, NC): 28021; peak, +1.7% YoY (Gaston, NC): 28086.
Residential listings by Gaston, NC ZIP
Gaston, NC ZIPs with the most tracked Gaston, NC residential listings: 28052 17 listings, 4 candidates, bank pressure 56; 28054 9 listings, 4 candidates, bank pressure 56; 28021 8 listings, 0 candidates, bank pressure 56; 28056 7 listings, 2 candidates, bank pressure 56 (Gaston, NC); 28120 5 listings, 3 candidates, bank pressure 56; 28012 4 listings, 2 candidates, bank pressure 56; 28164 3 listings, 1 candidates, bank pressure 56; 28016 1 listings, 0 candidates, bank pressure 56. Gaston, NC totals: 57 listings; Gaston, NC candidates 19; active ZIPs 11.
HUD assisted housing in Gaston, NC
19 assisted properties with 1,333 units sit in Gaston, NC; largest Gaston, NC properties: Cameron And Weldon Courts (Gastonia) 190 units; Loray Mill Lofts (Gastonia) 189 units; Village Square Apartments (Gastonia) 150 units, 150 assisted in Gaston, NC; Mountain View (Gastonia) 109 units; A.R.P. Manor (Gastonia) 100 units, 100 assisted; Linwood Terrace (Gastonia) 100 units.
Lenders with branches in Gaston, NC
Gaston, NC lenders by branch count: Truist Bank (Gaston, NC): stress 62, 7 branches low in Gaston, NC; Bank Of America Na (Gaston, NC): stress 71, 3 branches low in Gaston, NC; Fidelity Bank (Gaston, NC): stress 56, 3 branches low in Gaston, NC; Belmont Savings Bank Ssb (Gaston, NC): stress 74, 1 branch low in Gaston, NC; Hometrust Bank (Gaston, NC): stress 49, 1 branch low in Gaston, NC.
Vacancy and permits, Gaston, NC
8,095 of 101,671 Gaston, NC housing units are vacant; Gaston, NC permits, twelve months: 328 multifamily units in Gaston, NC, 2,002 one-to-four unit units.
Work Gaston, NC at the parcel level
Every Gaston, NC parcel carries owner and address; every Gaston, NC parcel carries APN; Gaston, NC distress scores sit on the Gaston, NC live board.
Gaston, NC figures refresh with each source.
Gaston, NC questions
Most distressed ZIP code in Gaston County, NC?
ZIP 28012 leads Gaston, NC at 31/100; next in Gaston, NC: 28016 at 31/100; the Gaston, NC average is 31/100.
Where does Gaston County, NC rank for investment opportunity?
Gaston, NC is #2,109 among all ranked counties, #91 in North Carolina; the Gaston, NC driver is bank institutional; Gaston, NC moved up 112 places.
How many mortgages are delinquent in Gaston County, NC?
1.2% of Gaston, NC mortgages were ninety-plus days late in December 2025; the Gaston, NC peak since 2008 was 6.1%.
Which banks lend in Gaston County, NC?
5 watched lenders hold Gaston, NC branches; the largest Gaston, NC footprints are Truist Bank (7), Bank Of America Na (3), Fidelity Bank (3).
More on Gaston, NC
Gaston County, NC distress report: public-record figures for Gaston, NC; not legal advice for Gaston, NC; not tax or investment advice; verify every Gaston, NC record before acting.