Macon County, NC Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Macon County, NC distress report, 2026: 6 ZIPs scored in Macon, NC, Macon, NC average 30/100; the top Macon, NC ZIP is 28734 at 31/100; Macon, NC market phase peak, Macon, NC prices +2.8% year over year.
- Macon, NC ranks #106 nationally (opportunity index); Macon, NC #5 in North Carolina; Macon, NC index 37.2.
- Macon, NC: no CFPB county sample; Macon, NC non-metro area reading 1.3%.
- Macon, NC ZIP phases: 6 peak.
- Macon, NC residential listings tracked: 11 across 5 ZIPs; Macon, NC candidate listings 6.
- Macon, NC lenders on watch: 3; largest Macon, NC footprint First-Citizens Bank&Trust Co (2 branches).
- Macon, NC most distressed ZIP: 28734 at 31/100.
Macon, NC figures: DLRadar distress index; Macon, NC inputs: CFPB, FHFA, HUD, FDIC; Macon, NC rebuilt as sources refresh.
| Rank | Macon, NC ZIP | Score |
|---|---|---|
| 1 | 28734 | 31/100 |
| 2 | 28763 | 31/100 |
| 3 | 28775 | 31/100 |
| 4 | 28781 | 31/100 |
| 5 | 28741 | 30/100 |
| 6 | 28713 | 27/100 |
Most distressed Macon, NC ZIPs (0-100, 2026)
Mortgage delinquency around Macon, NC
No CFPB county sample covers Macon, NC; the non-metro area reading for Macon, NC: 1.3% ninety-plus; Macon, NC area thirty-to-eighty-nine 3.4% (December 2025, Macon, NC); North Carolina overall 0.9%.
Opportunity index: Macon, NC
Macon, NC index 37.2, Macon, NC phase strong_buy; Macon, NC primary driver vacancy, Macon, NC second driver construction. Macon, NC components: property stress 31.7, foreclosure pressure 33.6, listing discounts 35.5, bank stress 54.0, insurance 0.0; Macon, NC pulse 42.1; Macon, NC capital opportunity 29.8; Macon, NC seven-day change -0.9%.
ZIP market phases inside Macon, NC
6 Macon, NC ZIPs carry a price-cycle phase; Macon, NC ZIPs by phase (Macon, NC), deepest drawdown first: peak, +2.8% YoY (Macon, NC): 28713, 28734, 28741, 28763, Macon, NC 28775, 28781.
Residential listings by Macon, NC ZIP
Macon, NC ZIPs with the most tracked Macon, NC residential listings: 28734 4 listings, 3 candidates, bank pressure 61; 28781 3 listings, 1 candidates, bank pressure 60; 28763 2 listings, 2 candidates, bank pressure 60; 28741 1 listings, 0 candidates, bank pressure 59 (Macon, NC); 28775 1 listings, 0 candidates, bank pressure 60. Macon, NC totals: 11 listings; Macon, NC candidates 6; active ZIPs 2.
Lenders with branches in Macon, NC
Macon, NC lenders by branch count: First-Citizens Bank&Trust Co (Macon, NC): stress 71, 2 branches low in Macon, NC; First Bank (Macon, NC): stress 47, 2 branches low in Macon, NC; Nantahala Bank&Trust Co (Macon, NC): stress 63, 1 branch moderate in Macon, NC.
Vacancy and permits, Macon, NC
8,810 of 27,216 Macon, NC housing units are vacant; Macon, NC permits, twelve months: 0 multifamily units in Macon, NC, 211 one-to-four unit units.
Work Macon, NC at the parcel level
Every Macon, NC parcel carries owner and address; every Macon, NC parcel carries APN; Macon, NC distress scores sit on the Macon, NC live board.
Macon, NC figures refresh with each source.
Macon, NC questions
Most distressed ZIP code in Macon County, NC?
ZIP 28734 leads Macon, NC at 31/100; next in Macon, NC: 28763 at 31/100; the Macon, NC average is 30/100.
Where does Macon County, NC rank for investment opportunity?
Macon, NC is #106 among all ranked counties, #5 in North Carolina; the Macon, NC driver is vacancy; Macon, NC moved up 18 places.
How many mortgages are delinquent in Macon County, NC?
Macon, NC takes the non-metro area reading of 1.3% for December 2025; no CFPB county sample covers Macon, NC.
Which banks lend in Macon County, NC?
3 watched lenders hold Macon, NC branches; the largest Macon, NC footprints are First-Citizens Bank&Trust Co (2), First Bank (2), Nantahala Bank&Trust Co (1).
More on Macon, NC
Macon County, NC distress report: public-record figures for Macon, NC; not legal advice for Macon, NC; not tax or investment advice; verify every Macon, NC record before acting.