Mitchell County, NC Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Mitchell County, North Carolina? DLRadar grades every Mitchell County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 29/100. Here is the 2026 Mitchell County breakdown.
- Mitchell County's most distressed ZIP is 28749 at 29/100.
- 4 ZIP codes tracked in Mitchell County, averaging 23/100 distress.
- Mitchell County reads peak — home values up 2.8% year over year.
- Vacancy runs 30.5% across Mitchell County's tracked ZIPs, with a 10.6% poverty rate.
- The typical Mitchell County home is worth about $220,667 against a ~$57,521 median income.
- Lending headwind in Mitchell County sits at 36/100 — a forward read on distressed supply.
All figures come from the monthly DLRadar distress index built on public records. Attribution to DLRadar (dlradar.com) appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 28749 | 29/100 |
| 2 | 28740 | 22/100 |
| 3 | 28777 | 21/100 |
| 4 | 28705 | 20/100 |
Most distressed ZIP codes in Mitchell County (composite distress 0-100, 2026)
What is driving Mitchell County distress
DLRadar builds Mitchell County's distress picture only from records anyone can pull; its ZIPs average 23/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Mitchell County market phase and pricing
Phase for Mitchell County: peak (+2.8% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Mitchell County
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Questions about this county
What is the most distressed ZIP code in Mitchell County, NC?
ZIP 28749 leads Mitchell County at 29/100, recomputed monthly from public records.
How would you describe the Mitchell County market phase?
Mitchell County is classified peak with a 2.8% year-over-year increase, following the FHFA House Price Index.
Where does the Mitchell County data come from?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 4 Mitchell County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Mitchell County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Mitchell County ZIPs DLRadar ranks, scores run from 29/100 in 28749 down to 20/100 in 28705, against a Mitchell County average of 23/100. With 9 points between best and worst, county-level targeting in Mitchell County wastes effort.
What do Mitchell County home values and vacancy say about distressed supply?
The typical Mitchell County home carries about $220,667 of value against a median household income near $57,521. Vacancy across Mitchell County's tracked ZIPs runs 30.5% and the poverty rate is 10.6%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Mitchell County's foreclosure and tax-lien filings and its 36/100 lending headwind.
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Produced by fixed formulas over public records — research, not investment, legal or financial advice. The underlying index updates monthly.