Harnett County, NC Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Harnett County, NC distress report, 2026: 18 ZIPs scored in Harnett, NC, Harnett, NC average 29/100; the top Harnett, NC ZIP is 28356 at 35/100; Harnett, NC market phase peak, Harnett, NC prices +1.9% year over year.
- Harnett, NC ranks #1,891 nationally (opportunity index); Harnett, NC #80 in North Carolina; Harnett, NC index 28.1.
- Harnett, NC ninety-day mortgage delinquency 0.9% in December 2025; Harnett, NC twelve-month change +0.5%.
- Harnett, NC ZIP phases: 18 peak.
- Harnett, NC residential listings tracked: 54 across 11 ZIPs; Harnett, NC candidate listings 8.
- Harnett, NC HUD assisted properties: 6 with 208 units.
- Harnett, NC lenders on watch: 6; largest Harnett, NC footprint First Federal Bank (4 branches).
- Harnett, NC most distressed ZIP: 28356 at 35/100.
Harnett, NC figures: DLRadar distress index; Harnett, NC inputs: CFPB, FHFA, HUD, FDIC; Harnett, NC rebuilt as sources refresh.
| Rank | Harnett, NC ZIP | Score |
|---|---|---|
| 1 | 28356 | 35/100 |
| 2 | 27504 | 32/100 |
| 3 | 27540 | 32/100 |
| 4 | 27592 | 32/100 |
| 5 | 28390 | 32/100 |
| 6 | 27330 | 30/100 |
| 7 | 27526 | 30/100 |
| 8 | 28334 | 30/100 |
| 9 | 27501 | 29/100 |
| 10 | 27332 | 28/100 |
| 11 | 28326 | 27/100 |
| 12 | 27505 | 26/100 |
Most distressed Harnett, NC ZIPs (0-100, 2026)
Mortgage delinquency in Harnett, NC
0.9% of Harnett, NC mortgages were ninety-plus days late (Harnett, NC, December 2025); Harnett, NC thirty-to-eighty-nine days late: 3.1%; Harnett, NC twelve-month change +0.5%; Harnett, NC peak since 2008: 4.0% (September 2009); North Carolina overall 0.9%. Harnett, NC ninety-day series: Dec 24 0.4, Jan 25 0.9, Feb 25 0.9 (Harnett, NC), Mar 25 0.7, Apr 25 0.6, May 25 0.8 (Harnett, NC), Jun 25 0.4, Jul 25 0.4, Aug 25 0.6 (Harnett, NC), Sep 25 0.5, Oct 25 1.0, Nov 25 1.0 (Harnett, NC), Dec 25 0.9.
Opportunity index: Harnett, NC
Harnett, NC index 28.1, Harnett, NC phase early_signal; Harnett, NC primary driver bank institutional, Harnett, NC second driver vacancy. Harnett, NC components: property stress 18.8, foreclosure pressure 18.3, listing discounts 31.0, bank stress 52.7, insurance 0.0; Harnett, NC pulse 29.7; Harnett, NC capital opportunity 25.7; Harnett, NC seven-day change -0.6%.
ZIP market phases inside Harnett, NC
18 Harnett, NC ZIPs carry a price-cycle phase; Harnett, NC ZIPs by phase (Harnett, NC), deepest drawdown first: peak, +0.2% YoY, 1.1% off peak (Harnett, NC): 28326; peak, +2.2% YoY, 0.6% off peak (Harnett, NC): 28356; peak, +2.1% YoY, 0.4% off peak (Harnett, NC): 28390; peak, +1.6% YoY, 0.2% off peak (Harnett, NC): 27330; peak, +0.7% YoY, 0.2% off peak (Harnett, NC): 27592; peak, +0.8% YoY, 0.2% off peak (Harnett, NC): 27504; peak, +1.0% YoY, 0.2% off peak (Harnett, NC): 27540; peak, +1.4% YoY, 0.1% off peak (Harnett, NC): 27526; peak, +2.3% YoY, 0.1% off peak (Harnett, NC): 28334; peak, +1.5% YoY, 0.1% off peak (Harnett, NC): 27501; peak, +1.9% YoY (Harnett, NC): 27332, 27505, 27506, 27521, Harnett, NC 27546, 28323.
Residential listings by Harnett, NC ZIP
Harnett, NC ZIPs with the most tracked Harnett, NC residential listings: 27526 15 listings, 2 candidates, bank pressure 58; 27546 11 listings, 3 candidates, bank pressure 63; 28339 10 listings, 0 candidates, bank pressure 63; 27501 7 listings, 1 candidates, bank pressure 60 (Harnett, NC); 28390 5 listings, 1 candidates, bank pressure 58; 28326 4 listings, 1 candidates, bank pressure 60; 27505 2 listings, 0 candidates, bank pressure 60; 27506 0 listings, 0 candidates, bank pressure 63. Harnett, NC totals: 54 listings; Harnett, NC candidates 8; active ZIPs 7.
HUD assisted housing in Harnett, NC
6 assisted properties with 208 units sit in Harnett, NC; largest Harnett, NC properties: Erwin And Smithfield Senior (Erwin) 70 units, 70 assisted; Brookside Hills Apts (Spring Lake) 64 units, 64 assisted; Chelsey Apartments (Dunn) 36 units, 36 assisted in Harnett, NC; Cottondale Apts (Dunn) 24 units, 24 assisted; Chc Of Harnett Co. (Angier) 7 units, 6 assisted; Harmony Home (Dunn) 7 units, 6 assisted.
Lenders with branches in Harnett, NC
Harnett, NC lenders by branch count: First Federal Bank (Harnett, NC): stress 95, 4 branches low in Harnett, NC; Truist Bank (Harnett, NC): stress 62, 4 branches low in Harnett, NC; First Bank (Harnett, NC): stress 47, 3 branches low in Harnett, NC; First-Citizens Bank&Trust Co (Harnett, NC): stress 71, 2 branches low in Harnett, NC; Ks Bank Inc (Harnett, NC): stress 69, 1 branch low in Harnett, NC; Fidelity Bank (Harnett, NC): stress 56, 1 branch low in Harnett, NC.
Vacancy and permits, Harnett, NC
5,057 of 54,902 Harnett, NC housing units are vacant; Harnett, NC permits, twelve months: 5 multifamily units in Harnett, NC, 2,079 one-to-four unit units.
Work Harnett, NC at the parcel level
Every Harnett, NC parcel carries owner and address; every Harnett, NC parcel carries APN; Harnett, NC distress scores sit on the Harnett, NC live board.
Harnett, NC figures refresh with each source.
Harnett, NC questions
Most distressed ZIP code in Harnett County, NC?
ZIP 28356 leads Harnett, NC at 35/100; next in Harnett, NC: 27504 at 32/100; the Harnett, NC average is 29/100.
Where does Harnett County, NC rank for investment opportunity?
Harnett, NC is #1,891 among all ranked counties, #80 in North Carolina; the Harnett, NC driver is bank institutional; Harnett, NC moved up 447 places.
How many mortgages are delinquent in Harnett County, NC?
0.9% of Harnett, NC mortgages were ninety-plus days late in December 2025; the Harnett, NC peak since 2008 was 4.0%.
Which banks lend in Harnett County, NC?
6 watched lenders hold Harnett, NC branches; the largest Harnett, NC footprints are First Federal Bank (4), Truist Bank (4), First Bank (3).
More on Harnett, NC
Harnett County, NC distress report: public-record figures for Harnett, NC; not legal advice for Harnett, NC; not tax or investment advice; verify every Harnett, NC record before acting.