Graham County, NC Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Graham County, North Carolina? DLRadar grades every Graham County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 15/100. Here is the 2026 Graham County breakdown.
- Graham County's most distressed ZIP is 28702 at 15/100.
- 3 ZIP codes tracked in Graham County, averaging 14/100 distress.
- Graham County reads peak — home values up 2.8% year over year.
- Vacancy runs 58.1% across Graham County's tracked ZIPs, with a 10.2% poverty rate.
- The typical Graham County home is worth about $259,033 against a ~$48,570 median income.
- Lending headwind in Graham County sits at 52/100 — a forward read on distressed supply.
Source data is DLRadar's monthly public-record index. Citation welcome, with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 28702 | 15/100 |
| 2 | 28733 | 14/100 |
| 3 | 28771 | 14/100 |
Most distressed ZIP codes in Graham County (composite distress 0-100, 2026)
What is driving Graham County distress
Nothing here is estimated: Graham County is scored from filings alone, and its ZIPs average 14/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Graham County market phase and pricing
DLRadar places Graham County in peak; prices moved up 2.8% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Graham County
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Frequently asked
What is the most distressed ZIP code in Graham County, NC?
ZIP 28702 leads Graham County at 15/100, recomputed monthly from public records.
Where is Graham County in the housing cycle?
The market phase for Graham County is peak, prices rising 2.8% on the year — derived from the FHFA House Price Index path.
What is this Graham County analysis built from?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 3 Graham County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Graham County ZIP codes?
Averaging the county conceals how uneven it is. Across the Graham County ZIPs DLRadar ranks, scores run from 15/100 in 28702 down to 14/100 in 28771, against a Graham County average of 14/100. A spread of 1 points means Graham County has to be worked ZIP by ZIP.
What do Graham County home values and vacancy say about distressed supply?
The typical Graham County home carries about $259,033 of value against a median household income near $48,570. Vacancy across Graham County's tracked ZIPs runs 58.1% and the poverty rate is 10.2%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Graham County's foreclosure and lien filings and its 52/100 lending headwind.
Related
Scores here are computed from public records by fixed formulas. Nothing on this page is investment, legal or financial advice; the index refreshes monthly.