Iredell County, NC Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Iredell County, NC distress report, 2026: 16 ZIPs scored in Iredell, NC, Iredell, NC average 26/100; the top Iredell, NC ZIP is 28036 at 39/100; Iredell, NC market phase peak, Iredell, NC prices +1.0% year over year.
- Iredell, NC ranks #1,843 nationally (opportunity index); Iredell, NC #77 in North Carolina; Iredell, NC index 28.3.
- Iredell, NC ninety-day mortgage delinquency 0.7% in December 2025; Iredell, NC twelve-month change +0.2%.
- Iredell, NC ZIP phases: 16 peak.
- Iredell, NC residential listings tracked: 64 across 9 ZIPs; Iredell, NC candidate listings 18.
- Iredell, NC HUD assisted properties: 20 with 1,701 units.
- Iredell, NC lenders on watch: 7; largest Iredell, NC footprint Truist Bank (4 branches).
- Iredell, NC most distressed ZIP: 28036 at 39/100.
Iredell, NC figures: DLRadar distress index; Iredell, NC inputs: CFPB, FHFA, HUD, FDIC; Iredell, NC rebuilt as sources refresh.
| Rank | Iredell, NC ZIP | Score |
|---|---|---|
| 1 | 28036 | 39/100 |
| 2 | 28117 | 29/100 |
| 3 | 28166 | 29/100 |
| 4 | 28625 | 29/100 |
| 5 | 28660 | 29/100 |
| 6 | 28677 | 29/100 |
| 7 | 28634 | 28/100 |
| 8 | 28689 | 28/100 |
| 9 | 28115 | 27/100 |
| 10 | 28678 | 25/100 |
| 11 | 27020 | 23/100 |
| 12 | 27013 | 22/100 |
Most distressed Iredell, NC ZIPs (0-100, 2026)
Mortgage delinquency in Iredell, NC
0.7% of Iredell, NC mortgages were ninety-plus days late (Iredell, NC, December 2025); Iredell, NC thirty-to-eighty-nine days late: 2.9%; Iredell, NC twelve-month change +0.2%; Iredell, NC peak since 2008: 4.2% (January 2012); North Carolina overall 0.9%. Iredell, NC ninety-day series: Dec 24 0.5, Jan 25 1.0, Feb 25 0.6 (Iredell, NC), Mar 25 0.6, Apr 25 0.7, May 25 0.8 (Iredell, NC), Jun 25 0.6, Jul 25 0.5, Aug 25 0.5 (Iredell, NC), Sep 25 0.6, Oct 25 0.9, Nov 25 0.8 (Iredell, NC), Dec 25 0.7.
Opportunity index: Iredell, NC
Iredell, NC index 28.3, Iredell, NC phase early_signal; Iredell, NC primary driver construction, Iredell, NC second driver bank institutional. Iredell, NC components: property stress 18.1, foreclosure pressure 17.6, listing discounts 27.0, bank stress 53.8, insurance 0.0; Iredell, NC pulse 31.3; Iredell, NC capital opportunity 23.7; Iredell, NC seven-day change -0.6%.
ZIP market phases inside Iredell, NC
16 Iredell, NC ZIPs carry a price-cycle phase; Iredell, NC ZIPs by phase (Iredell, NC), deepest drawdown first: peak, +1.0% YoY (Iredell, NC): 27013, 28036, 28115, 28117, Iredell, NC 28125, 28166, 28625, 28660, Iredell, NC 28677; peak, +2.9% YoY (Iredell, NC): 27020; peak, +3.3% YoY (Iredell, NC): 27028, 27055; peak, +1.2% YoY (Iredell, NC): 28634; peak, +2.2% YoY (Iredell, NC): 28636; peak, +1.6% YoY (Iredell, NC): 28678; peak, +1.5% YoY (Iredell, NC): 28689.
Residential listings by Iredell, NC ZIP
Iredell, NC ZIPs with the most tracked Iredell, NC residential listings: 28625 16 listings, 6 candidates, bank pressure 58; 28677 16 listings, 3 candidates, bank pressure 57; 28166 12 listings, 2 candidates, bank pressure 57; 28115 9 listings, 2 candidates, bank pressure 56 (Iredell, NC); 28117 8 listings, 5 candidates, bank pressure 57; 28634 1 listings, 0 candidates, bank pressure 58; 28660 1 listings, 0 candidates, bank pressure 57; 28678 1 listings, 0 candidates, bank pressure 58. Iredell, NC totals: 64 listings; Iredell, NC candidates 18; active ZIPs 8.
HUD assisted housing in Iredell, NC
20 assisted properties with 1,701 units sit in Iredell, NC; largest Iredell, NC properties: Langtree At The Lake Apartments (Mooresville) 300 units; Fountains At Mooresville Town Square (Mooresville) 227 units; Abberly Green Of Mooresville (Mooresville) 190 units in Iredell, NC; Phillips Landing Of Statesville (Statesville) 144 units; Abberly Green Of Mooresville Ii (Mooresville) 130 units; Fourth Creek Landing Apartments I (Statesville) 108 units.
Lenders with branches in Iredell, NC
Iredell, NC lenders by branch count: Truist Bank (Iredell, NC): stress 62, 4 branches low in Iredell, NC; Bank Of America Na (Iredell, NC): stress 71, 3 branches low in Iredell, NC; First-Citizens Bank&Trust Co (Iredell, NC): stress 71, 2 branches low in Iredell, NC; First Bank (Iredell, NC): stress 47, 2 branches low in Iredell, NC; Blueharbor Bank (Iredell, NC): stress 43, 2 branches low in Iredell, NC; Peoples Bank (Iredell, NC): stress 67, 1 branch low in Iredell, NC; Fidelity Bank (Iredell, NC): stress 56, 1 branch low in Iredell, NC.
Vacancy and permits, Iredell, NC
7,855 of 84,199 Iredell, NC housing units are vacant; Iredell, NC permits, twelve months: 64 multifamily units in Iredell, NC, 1,406 one-to-four unit units.
Work Iredell, NC at the parcel level
Every Iredell, NC parcel carries owner and address; every Iredell, NC parcel carries APN; Iredell, NC distress scores sit on the Iredell, NC live board.
Iredell, NC figures refresh with each source.
Iredell, NC questions
Most distressed ZIP code in Iredell County, NC?
ZIP 28036 leads Iredell, NC at 39/100; next in Iredell, NC: 28117 at 29/100; the Iredell, NC average is 26/100.
Where does Iredell County, NC rank for investment opportunity?
Iredell, NC is #1,843 among all ranked counties, #77 in North Carolina; the Iredell, NC driver is construction; Iredell, NC moved up 39 places.
How many mortgages are delinquent in Iredell County, NC?
0.7% of Iredell, NC mortgages were ninety-plus days late in December 2025; the Iredell, NC peak since 2008 was 4.2%.
Which banks lend in Iredell County, NC?
7 watched lenders hold Iredell, NC branches; the largest Iredell, NC footprints are Truist Bank (4), Bank Of America Na (3), First-Citizens Bank&Trust Co (2).
More on Iredell, NC
Iredell County, NC distress report: public-record figures for Iredell, NC; not legal advice for Iredell, NC; not tax or investment advice; verify every Iredell, NC record before acting.