Henderson County, NC Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Henderson County, NC distress report, 2026: 17 ZIPs scored in Henderson, NC, Henderson, NC average 28/100; the top Henderson, NC ZIP is 28766 at 30/100; Henderson, NC market phase peak, Henderson, NC prices +0.8% year over year.
- Henderson, NC ranks #1,974 nationally (opportunity index); Henderson, NC #83 in North Carolina; Henderson, NC index 27.8.
- Henderson, NC: no CFPB county sample; Henderson, NC metro area reading 0.5%.
- Henderson, NC ZIP phases: 17 peak.
- Henderson, NC residential listings tracked: 32 across 13 ZIPs; Henderson, NC candidate listings 18.
- Henderson, NC HUD assisted properties: 5 with 461 units.
- Henderson, NC lenders on watch: 6; largest Henderson, NC footprint First-Citizens Bank&Trust Co (5 branches).
- Henderson, NC most distressed ZIP: 28766 at 30/100.
Henderson, NC figures: DLRadar distress index; Henderson, NC inputs: CFPB, FHFA, HUD, FDIC; Henderson, NC rebuilt as sources refresh.
| Rank | Henderson, NC ZIP | Score |
|---|---|---|
| 1 | 28766 | 30/100 |
| 2 | 28704 | 28/100 |
| 3 | 28710 | 28/100 |
| 4 | 28711 | 28/100 |
| 5 | 28726 | 28/100 |
| 6 | 28729 | 28/100 |
| 7 | 28732 | 28/100 |
| 8 | 28735 | 28/100 |
| 9 | 28739 | 28/100 |
| 10 | 28742 | 28/100 |
| 11 | 28758 | 28/100 |
| 12 | 28759 | 28/100 |
Most distressed Henderson, NC ZIPs (0-100, 2026)
Mortgage delinquency around Henderson, NC
No CFPB county sample covers Henderson, NC; the metro area reading for Henderson, NC (Asheville, NC): 0.5% ninety-plus; Henderson, NC area thirty-to-eighty-nine 1.3% (December 2025, Henderson, NC); North Carolina overall 0.9%.
Opportunity index: Henderson, NC
Henderson, NC index 27.8, Henderson, NC phase weak; Henderson, NC primary driver vacancy, Henderson, NC second driver bank institutional. Henderson, NC components: property stress 25.4, foreclosure pressure 26.0, listing discounts 23.7, bank stress 51.4, insurance 0.0; Henderson, NC pulse 30.1; Henderson, NC capital opportunity 24.3; Henderson, NC seven-day change -0.5%.
ZIP market phases inside Henderson, NC
17 Henderson, NC ZIPs carry a price-cycle phase; Henderson, NC ZIPs by phase (Henderson, NC), deepest drawdown first: peak, +0.8% YoY (Henderson, NC): 28704, 28710, 28726, 28729, Henderson, NC 28732, 28735, 28739, 28742, Henderson, NC 28758, 28759, 28790, 28791; peak, +1.0% YoY (Henderson, NC): 28711; peak, +1.2% YoY (Henderson, NC): 28731; peak, +1.8% YoY (Henderson, NC): 28766; peak, +2.2% YoY (Henderson, NC): 28773.
Residential listings by Henderson, NC ZIP
Henderson, NC ZIPs with the most tracked Henderson, NC residential listings: 28792 9 listings, 4 candidates, bank pressure 58; 28791 8 listings, 7 candidates, bank pressure 58; 28739 6 listings, 3 candidates, bank pressure 59; 28732 5 listings, 2 candidates, bank pressure 58 (Henderson, NC); 28726 2 listings, 0 candidates, bank pressure 58; 28731 1 listings, 1 candidates, bank pressure 59; 28790 1 listings, 1 candidates, bank pressure 58; 28710 0 listings, 0 candidates, bank pressure 58. Henderson, NC totals: 32 listings; Henderson, NC candidates 18; active ZIPs 1.
HUD assisted housing in Henderson, NC
5 assisted properties with 461 units sit in Henderson, NC; largest Henderson, NC properties: Henderson Heights Apartments (Hendersonville) 352 units, 352 assisted; Cedar Bluffs Apartments (Hendersonville) 64 units; Regal Oaks Apartments (Hendersonville) 24 units, 24 assisted in Henderson, NC; Cac Of High Point @ Hendersonville (Hendersonville) 11 units, 10 assisted; King Creek Cottages (Hendersonville) 10 units, 10 assisted.
Lenders with branches in Henderson, NC
Henderson, NC lenders by branch count: First-Citizens Bank&Trust Co (Henderson, NC): stress 71, 5 branches low in Henderson, NC; First Bank (Henderson, NC): stress 47, 2 branches low in Henderson, NC; Bank Of America Na (Henderson, NC): stress 71, 1 branch low in Henderson, NC; Truist Bank (Henderson, NC): stress 62, 1 branch low in Henderson, NC; Fidelity Bank (Henderson, NC): stress 56, 1 branch low in Henderson, NC; Hometrust Bank (Henderson, NC): stress 49, 1 branch low in Henderson, NC.
Vacancy and permits, Henderson, NC
6,977 of 58,044 Henderson, NC housing units are vacant; Henderson, NC permits, twelve months: 741 multifamily units in Henderson, NC, 570 one-to-four unit units.
Work Henderson, NC at the parcel level
Every Henderson, NC parcel carries owner and address; every Henderson, NC parcel carries APN; Henderson, NC distress scores sit on the Henderson, NC live board.
Henderson, NC figures refresh with each source.
Henderson, NC questions
Most distressed ZIP code in Henderson County, NC?
ZIP 28766 leads Henderson, NC at 30/100; next in Henderson, NC: 28704 at 28/100; the Henderson, NC average is 28/100.
Where does Henderson County, NC rank for investment opportunity?
Henderson, NC is #1,974 among all ranked counties, #83 in North Carolina; the Henderson, NC driver is vacancy; Henderson, NC moved up 291 places.
How many mortgages are delinquent in Henderson County, NC?
Henderson, NC takes the metro area reading of 0.5% for December 2025; no CFPB county sample covers Henderson, NC.
Which banks lend in Henderson County, NC?
6 watched lenders hold Henderson, NC branches; the largest Henderson, NC footprints are First-Citizens Bank&Trust Co (5), First Bank (2), Bank Of America Na (1).
More on Henderson, NC
Henderson County, NC distress report: public-record figures for Henderson, NC; not legal advice for Henderson, NC; not tax or investment advice; verify every Henderson, NC record before acting.