Lincoln County, NC Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Lincoln County, NC distress report, 2026: 11 ZIPs scored in Lincoln, NC, Lincoln, NC average 29/100; the top Lincoln, NC ZIP is 28006 at 30/100; Lincoln, NC market phase peak, Lincoln, NC prices +1.0% year over year.
- Lincoln, NC ranks #1,912 nationally (opportunity index); Lincoln, NC #81 in North Carolina; Lincoln, NC index 28.0.
- Lincoln, NC: no CFPB county sample; Lincoln, NC metro area reading 0.9%.
- Lincoln, NC ZIP phases: 11 peak.
- Lincoln, NC residential listings tracked: 22 across 5 ZIPs; Lincoln, NC candidate listings 7.
- Lincoln, NC HUD assisted properties: 5 with 198 units.
- Lincoln, NC lenders on watch: 6; largest Lincoln, NC footprint First Fsb Of Lincolnton (4 branches).
- Lincoln, NC most distressed ZIP: 28006 at 30/100.
Lincoln, NC figures: DLRadar distress index; Lincoln, NC inputs: CFPB, FHFA, HUD, FDIC; Lincoln, NC rebuilt as sources refresh.
| Rank | Lincoln, NC ZIP | Score |
|---|---|---|
| 1 | 28006 | 30/100 |
| 2 | 28021 | 30/100 |
| 3 | 28033 | 30/100 |
| 4 | 28164 | 30/100 |
| 5 | 28673 | 30/100 |
| 6 | 28037 | 29/100 |
| 7 | 28080 | 29/100 |
| 8 | 28090 | 29/100 |
| 9 | 28092 | 29/100 |
| 10 | 28168 | 29/100 |
| 11 | 28650 | 29/100 |
Most distressed Lincoln, NC ZIPs (0-100, 2026)
Mortgage delinquency around Lincoln, NC
No CFPB county sample covers Lincoln, NC; the metro area reading for Lincoln, NC (Charlotte-Concord-Gastonia, NC-SC): 0.9% ninety-plus; Lincoln, NC area thirty-to-eighty-nine 2.3% (December 2025, Lincoln, NC); North Carolina overall 0.9%.
Opportunity index: Lincoln, NC
Lincoln, NC index 28.0, Lincoln, NC phase early_signal; Lincoln, NC primary driver bank institutional, Lincoln, NC second driver construction. Lincoln, NC components: property stress 15.4, foreclosure pressure 14.3, listing discounts 33.0, bank stress 53.2, insurance 0.0; Lincoln, NC pulse 29.5; Lincoln, NC capital opportunity 25.7; Lincoln, NC seven-day change -0.7%.
ZIP market phases inside Lincoln, NC
11 Lincoln, NC ZIPs carry a price-cycle phase; Lincoln, NC ZIPs by phase (Lincoln, NC), deepest drawdown first: peak, +1.0% YoY (Lincoln, NC): 28006, 28033, 28080, 28092, Lincoln, NC 28164; peak, +1.2% YoY (Lincoln, NC): 28021; peak, +1.1% YoY (Lincoln, NC): 28037; peak, +1.9% YoY (Lincoln, NC): 28090; peak, +1.5% YoY (Lincoln, NC): 28168; peak, +2.1% YoY (Lincoln, NC): 28650; peak, +2.3% YoY (Lincoln, NC): 28673.
Residential listings by Lincoln, NC ZIP
Lincoln, NC ZIPs with the most tracked Lincoln, NC residential listings: 28092 11 listings, 3 candidates, bank pressure 58; 28037 5 listings, 1 candidates, bank pressure 60; 28168 3 listings, 2 candidates, bank pressure 59; 28080 2 listings, 1 candidates, bank pressure 56 (Lincoln, NC); 28033 1 listings, 0 candidates, bank pressure 56. Lincoln, NC totals: 22 listings; Lincoln, NC candidates 7; active ZIPs 5.
HUD assisted housing in Lincoln, NC
5 assisted properties with 198 units sit in Lincoln, NC; largest Lincoln, NC properties: Riverwalk Phase Ii (Denver) 144 units; Lutherhaus Of Lincolnton (Lincolnton) 30 units, 30 assisted; Ric Lincolnton Apartments (Lincolnton) 10 units, 10 assisted in Lincoln, NC; Wnc Community Homes #1 (Lincolnton) 7 units, 6 assisted; Wnc Community Homes #10 (Lincolnton) 7 units, 6 assisted.
Lenders with branches in Lincoln, NC
Lincoln, NC lenders by branch count: First Fsb Of Lincolnton (Lincoln, NC): stress 55, 4 branches low in Lincoln, NC; Bank Of America Na (Lincoln, NC): stress 71, 2 branches low in Lincoln, NC; First-Citizens Bank&Trust Co (Lincoln, NC): stress 71, 2 branches low in Lincoln, NC; Peoples Bank (Lincoln, NC): stress 67, 2 branches low in Lincoln, NC; Truist Bank (Lincoln, NC): stress 62, 2 branches low in Lincoln, NC; Fidelity Bank (Lincoln, NC): stress 56, 1 branch low in Lincoln, NC.
Vacancy and permits, Lincoln, NC
2,693 of 39,504 Lincoln, NC housing units are vacant; Lincoln, NC permits, twelve months: 0 multifamily units in Lincoln, NC, 719 one-to-four unit units.
Work Lincoln, NC at the parcel level
Every Lincoln, NC parcel carries owner and address; every Lincoln, NC parcel carries APN; Lincoln, NC distress scores sit on the Lincoln, NC live board.
Lincoln, NC figures refresh with each source.
Lincoln, NC questions
Most distressed ZIP code in Lincoln County, NC?
ZIP 28006 leads Lincoln, NC at 30/100; next in Lincoln, NC: 28021 at 30/100; the Lincoln, NC average is 29/100.
Where does Lincoln County, NC rank for investment opportunity?
Lincoln, NC is #1,912 among all ranked counties, #81 in North Carolina; the Lincoln, NC driver is bank institutional; Lincoln, NC moved up 451 places.
How many mortgages are delinquent in Lincoln County, NC?
Lincoln, NC takes the metro area reading of 0.9% for December 2025; no CFPB county sample covers Lincoln, NC.
Which banks lend in Lincoln County, NC?
6 watched lenders hold Lincoln, NC branches; the largest Lincoln, NC footprints are First Fsb Of Lincolnton (4), Bank Of America Na (2), First-Citizens Bank&Trust Co (2).
More on Lincoln, NC
Lincoln County, NC distress report: public-record figures for Lincoln, NC; not legal advice for Lincoln, NC; not tax or investment advice; verify every Lincoln, NC record before acting.