Haywood County, NC Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Haywood County, North Carolina? DLRadar grades every Haywood County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 32/100. Here is the 2026 Haywood County breakdown.
- Haywood County's most distressed ZIP is 28716 at 32/100.
- 7 ZIP codes tracked in Haywood County, averaging 31/100 distress.
- Haywood County reads peak — home values up 1.9% year over year.
- Vacancy runs 33.4% across Haywood County's tracked ZIPs, with a 9.6% poverty rate.
- The typical Haywood County home is worth about $280,086 against a ~$60,779 median income.
- Lending headwind in Haywood County sits at 46/100 — a forward read on distressed supply.
Based on DLRadar's public-record distress index, updated every month. Free to cite with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 28716 | 32/100 |
| 2 | 28721 | 32/100 |
| 3 | 28745 | 32/100 |
| 4 | 28785 | 32/100 |
| 5 | 28786 | 32/100 |
| 6 | 28751 | 31/100 |
| 7 | 28743 | 28/100 |
Most distressed ZIP codes in Haywood County (composite distress 0-100, 2026)
What is driving Haywood County distress
Haywood County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 31/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Haywood County market phase and pricing
The cycle in Haywood County is peak, with values up 1.9% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
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Questions and answers
Which Haywood County ZIP scores worst for distress?
ZIP 28716 leads Haywood County at 32/100, recomputed monthly from public records.
Which phase does Haywood County sit in right now?
Haywood County reads peak, with home prices up 1.9% year over year. Phase comes from FHFA House Price Index trajectory.
What are the sources behind these Haywood County numbers?
Every Haywood 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 7 Haywood County ZIP codes that it runs on every other U.S. county, so Haywood County's numbers are directly comparable to any other market.
How much do distress scores vary between Haywood County ZIP codes?
Averaging the county conceals how uneven it is. Across the Haywood County ZIPs DLRadar ranks, scores run from 32/100 in 28716 down to 28/100 in 28743, against a Haywood County average of 31/100. The 4-point range is the argument for ZIP-level search across Haywood County.
What do Haywood County home values and vacancy say about distressed supply?
The typical Haywood County home carries about $280,086 of value against a median household income near $60,779. Vacancy across Haywood County's tracked ZIPs runs 33.4% and the poverty rate is 9.6%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Haywood County's filings and its 46/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.