Mecklenburg County, NC Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Mecklenburg County, NC distress report, 2026: 37 ZIPs scored in Mecklenburg, NC, Mecklenburg, NC average 40/100; the top Mecklenburg, NC ZIP is 28031 at 41/100; Mecklenburg, NC market phase peak, Mecklenburg, NC prices +1.0% year over year.
- Mecklenburg, NC ranks #857 nationally (opportunity index); Mecklenburg, NC #44 in North Carolina; Mecklenburg, NC index 31.7.
- Mecklenburg, NC ninety-day mortgage delinquency 0.7% in December 2025; Mecklenburg, NC twelve-month change +0.2%.
- Mecklenburg, NC ZIP phases: 37 peak.
- Mecklenburg, NC residential listings tracked: 186 across 34 ZIPs; Mecklenburg, NC candidate listings 55.
- Mecklenburg, NC HUD assisted properties: 86 with 9,165 units.
- Mecklenburg, NC lenders on watch: 8; largest Mecklenburg, NC footprint Truist Bank (31 branches).
- Mecklenburg, NC most distressed ZIP: 28031 at 41/100.
Mecklenburg, NC figures: DLRadar distress index; Mecklenburg, NC inputs: CFPB, FHFA, HUD, FDIC; Mecklenburg, NC rebuilt as sources refresh.
| Rank | Mecklenburg, NC ZIP | Score |
|---|---|---|
| 1 | 28031 | 41/100 |
| 2 | 28078 | 41/100 |
| 3 | 28105 | 41/100 |
| 4 | 28134 | 41/100 |
| 5 | 28202 | 41/100 |
| 6 | 28203 | 41/100 |
| 7 | 28204 | 41/100 |
| 8 | 28205 | 41/100 |
| 9 | 28206 | 41/100 |
| 10 | 28207 | 41/100 |
| 11 | 28208 | 41/100 |
| 12 | 28209 | 41/100 |
Most distressed Mecklenburg, NC ZIPs (0-100, 2026)
Mortgage delinquency in Mecklenburg, NC
0.7% of Mecklenburg, NC mortgages were ninety-plus days late (Mecklenburg, NC, December 2025); Mecklenburg, NC thirty-to-eighty-nine days late: 1.8%; Mecklenburg, NC twelve-month change +0.2%; Mecklenburg, NC peak since 2008: 5.1% (January 2010); North Carolina overall 0.9%. Mecklenburg, NC ninety-day series: Dec 24 0.5, Jan 25 0.6, Feb 25 0.6 (Mecklenburg, NC), Mar 25 0.6, Apr 25 0.6, May 25 0.6 (Mecklenburg, NC), Jun 25 0.6, Jul 25 0.6, Aug 25 0.6 (Mecklenburg, NC), Sep 25 0.6, Oct 25 0.5, Nov 25 0.6 (Mecklenburg, NC), Dec 25 0.7.
Opportunity index: Mecklenburg, NC
Mecklenburg, NC index 31.7, Mecklenburg, NC phase watchlist; Mecklenburg, NC primary driver construction, Mecklenburg, NC second driver bank institutional. Mecklenburg, NC components: property stress 22.9, foreclosure pressure 22.8, listing discounts 27.8, bank stress 57.0, insurance 0.0; Mecklenburg, NC pulse 36.5; Mecklenburg, NC capital opportunity 24.4; Mecklenburg, NC seven-day change -0.1%.
ZIP market phases inside Mecklenburg, NC
37 Mecklenburg, NC ZIPs carry a price-cycle phase; Mecklenburg, NC ZIPs by phase (Mecklenburg, NC), deepest drawdown first: peak, +1.0% YoY (Mecklenburg, NC): 28027, 28031, 28036, 28078, Mecklenburg, NC 28104, 28105, 28107, 28134, Mecklenburg, NC 28202, 28203, 28204, 28205, Mecklenburg, NC 28206, 28207, 28208, 28209.
Residential listings by Mecklenburg, NC ZIP
Mecklenburg, NC ZIPs with the most tracked Mecklenburg, NC residential listings: 28269 27 listings, 4 candidates, bank pressure 58; 28216 17 listings, 2 candidates, bank pressure 57; 28205 13 listings, 1 candidates, bank pressure 57; 28215 13 listings, 5 candidates, bank pressure 58 (Mecklenburg, NC); 28278 12 listings, 0 candidates, bank pressure 57; 28214 10 listings, 2 candidates, bank pressure 57; 28262 10 listings, 1 candidates, bank pressure 58; 28208 8 listings, 2 candidates, bank pressure 57. Mecklenburg, NC totals: 186 listings; Mecklenburg, NC candidates 55; active ZIPs 27.
HUD assisted housing in Mecklenburg, NC
86 assisted properties with 9,165 units sit in Mecklenburg, NC; largest Mecklenburg, NC properties: Catalyst Apartments (Charlotte) 462 units; Tyvola Centre Apartments (Charlotte) 404 units; Southside Homes (Charlotte) 392 units in Mecklenburg, NC; Cha Towers (Charlotte) 337 units; Silver Collection At The Park (Huntersville) 332 units; Woodland Estates Apartment Homes (Charlotte) 330 units.
Lenders with branches in Mecklenburg, NC
Mecklenburg, NC lenders by branch count: Truist Bank (Mecklenburg, NC): stress 62, 31 branches low in Mecklenburg, NC; Bank Of America Na (Mecklenburg, NC): stress 71, 27 branches low in Mecklenburg, NC; First-Citizens Bank&Trust Co (Mecklenburg, NC): stress 71, 16 branches low in Mecklenburg, NC; First Bank (Mecklenburg, NC): stress 47, 3 branches low in Mecklenburg, NC; Peoples Bank (Mecklenburg, NC): stress 67, 2 branches low in Mecklenburg, NC; Hometrust Bank (Mecklenburg, NC): stress 49, 2 branches low in Mecklenburg, NC; Uwharrie Bank (Mecklenburg, NC): stress 70, 1 branch low in Mecklenburg, NC; Mechanics&Farmers Bank (Mecklenburg, NC): stress 62, 1 branch low in Mecklenburg, NC.
Vacancy and permits, Mecklenburg, NC
36,544 of 503,071 Mecklenburg, NC housing units are vacant; Mecklenburg, NC permits, twelve months: 3,841 multifamily units in Mecklenburg, NC, 862 one-to-four unit units.
Work Mecklenburg, NC at the parcel level
Every Mecklenburg, NC parcel carries owner and address; every Mecklenburg, NC parcel carries APN; Mecklenburg, NC distress scores sit on the Mecklenburg, NC live board.
Mecklenburg, NC figures refresh with each source.
Mecklenburg, NC questions
Most distressed ZIP code in Mecklenburg County, NC?
ZIP 28031 leads Mecklenburg, NC at 41/100; next in Mecklenburg, NC: 28078 at 41/100; the Mecklenburg, NC average is 40/100.
Where does Mecklenburg County, NC rank for investment opportunity?
Mecklenburg, NC is #857 among all ranked counties, #44 in North Carolina; the Mecklenburg, NC driver is construction; Mecklenburg, NC moved down 76 places.
How many mortgages are delinquent in Mecklenburg County, NC?
0.7% of Mecklenburg, NC mortgages were ninety-plus days late in December 2025; the Mecklenburg, NC peak since 2008 was 5.1%.
Which banks lend in Mecklenburg County, NC?
8 watched lenders hold Mecklenburg, NC branches; the largest Mecklenburg, NC footprints are Truist Bank (31), Bank Of America Na (27), First-Citizens Bank&Trust Co (16).
More on Mecklenburg, NC
Mecklenburg County, NC distress report: public-record figures for Mecklenburg, NC; not legal advice for Mecklenburg, NC; not tax or investment advice; verify every Mecklenburg, NC record before acting.