Madison County, NC Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Madison County, NC distress report, 2026: 6 ZIPs scored in Madison, NC, Madison, NC average 27/100; the top Madison, NC ZIP is 28701 at 28/100; Madison, NC market phase peak, Madison, NC prices +0.8% year over year.
- Madison, NC ranks #166 nationally (opportunity index); Madison, NC #7 in North Carolina; Madison, NC index 36.2.
- Madison, NC: no CFPB county sample; Madison, NC metro area reading 0.5%.
- Madison, NC ZIP phases: 6 peak.
- Madison, NC residential listings tracked: 13 across 3 ZIPs; Madison, NC candidate listings 7.
- Madison, NC HUD assisted properties: 1 with 7 units.
- Madison, NC lenders on watch: 2; largest Madison, NC footprint First-Citizens Bank&Trust Co (1 branch).
- Madison, NC most distressed ZIP: 28701 at 28/100.
Madison, NC figures: DLRadar distress index; Madison, NC inputs: CFPB, FHFA, HUD, FDIC; Madison, NC rebuilt as sources refresh.
| Rank | Madison, NC ZIP | Score |
|---|---|---|
| 1 | 28701 | 28/100 |
| 2 | 28787 | 28/100 |
| 3 | 28743 | 27/100 |
| 4 | 28748 | 27/100 |
| 5 | 28754 | 26/100 |
| 6 | 28753 | 25/100 |
Most distressed Madison, NC ZIPs (0-100, 2026)
Mortgage delinquency around Madison, NC
No CFPB county sample covers Madison, NC; the metro area reading for Madison, NC (Asheville, NC): 0.5% ninety-plus; Madison, NC area thirty-to-eighty-nine 1.3% (December 2025, Madison, NC); North Carolina overall 0.9%.
Opportunity index: Madison, NC
Madison, NC index 36.2, Madison, NC phase peak_opportunity; Madison, NC primary driver vacancy, Madison, NC second driver bank institutional. Madison, NC components: property stress 29.2, foreclosure pressure 31.0, listing discounts 35.2, bank stress 61.4, insurance 0.0; Madison, NC pulse 41.8; Madison, NC capital opportunity 27.7; Madison, NC seven-day change -0.6%.
ZIP market phases inside Madison, NC
6 Madison, NC ZIPs carry a price-cycle phase; Madison, NC ZIPs by phase (Madison, NC), deepest drawdown first: peak, +0.8% YoY (Madison, NC): 28701, 28748, 28753, 28787; peak, +1.0% YoY (Madison, NC): 28743; peak, +0.9% YoY (Madison, NC): 28754.
Residential listings by Madison, NC ZIP
Madison, NC ZIPs with the most tracked Madison, NC residential listings: 28743 5 listings, 2 candidates, bank pressure 60; 28754 5 listings, 2 candidates, bank pressure 62; 28753 3 listings, 3 candidates, bank pressure 58. Madison, NC totals: 13 listings; Madison, NC candidates 7; active ZIPs 0.
HUD assisted housing in Madison, NC
1 assisted properties with 7 units sit in Madison, NC; largest Madison, NC properties: Wnc Madison County Group Home (Hot Springs) 7 units, 6 assisted.
Lenders with branches in Madison, NC
Madison, NC lenders by branch count: First-Citizens Bank&Trust Co (Madison, NC): stress 71, 1 branch low in Madison, NC; First Bank (Madison, NC): stress 47, 1 branch low in Madison, NC.
Vacancy and permits, Madison, NC
3,014 of 11,356 Madison, NC housing units are vacant; Madison, NC permits, twelve months: 0 multifamily units in Madison, NC, 153 one-to-four unit units.
Work Madison, NC at the parcel level
Every Madison, NC parcel carries owner and address; every Madison, NC parcel carries APN; Madison, NC distress scores sit on the Madison, NC live board.
Madison, NC figures refresh with each source.
Madison, NC questions
Most distressed ZIP code in Madison County, NC?
ZIP 28701 leads Madison, NC at 28/100; next in Madison, NC: 28787 at 28/100; the Madison, NC average is 27/100.
Where does Madison County, NC rank for investment opportunity?
Madison, NC is #166 among all ranked counties, #7 in North Carolina; the Madison, NC driver is vacancy; Madison, NC moved down 29 places.
How many mortgages are delinquent in Madison County, NC?
Madison, NC takes the metro area reading of 0.5% for December 2025; no CFPB county sample covers Madison, NC.
Which banks lend in Madison County, NC?
2 watched lenders hold Madison, NC branches; the largest Madison, NC footprints are First-Citizens Bank&Trust Co (1), First Bank (1).
More on Madison, NC
Madison County, NC distress report: public-record figures for Madison, NC; not legal advice for Madison, NC; not tax or investment advice; verify every Madison, NC record before acting.