Orange County, NC Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Orange County, NC distress report, 2026: 15 ZIPs scored in Orange, NC, Orange, NC average 26/100; the top Orange, NC ZIP is 27705 at 28/100; Orange, NC market phase peak, Orange, NC prices +1.3% year over year.
- Orange, NC ranks #2,467 nationally (opportunity index); Orange, NC #97 in North Carolina; Orange, NC index 26.0.
- Orange, NC ninety-day mortgage delinquency 0.4% in December 2025; Orange, NC twelve-month change -0.4%.
- Orange, NC ZIP phases: 14 peak, 1 neutral.
- Orange, NC residential listings tracked: 40 across 7 ZIPs; Orange, NC candidate listings 10.
- Orange, NC HUD assisted properties: 12 with 752 units.
- Orange, NC lenders on watch: 3; largest Orange, NC footprint Truist Bank (4 branches).
- Orange, NC most distressed ZIP: 27705 at 28/100.
Orange, NC figures: DLRadar distress index; Orange, NC inputs: CFPB, FHFA, HUD, FDIC; Orange, NC rebuilt as sources refresh.
| Rank | Orange, NC ZIP | Score |
|---|---|---|
| 1 | 27705 | 28/100 |
| 2 | 27707 | 28/100 |
| 3 | 27712 | 28/100 |
| 4 | 27231 | 27/100 |
| 5 | 27243 | 27/100 |
| 6 | 27278 | 27/100 |
| 7 | 27302 | 27/100 |
| 8 | 27510 | 27/100 |
| 9 | 27514 | 27/100 |
| 10 | 27516 | 27/100 |
| 11 | 27517 | 27/100 |
| 12 | 27599 | 27/100 |
Most distressed Orange, NC ZIPs (0-100, 2026)
Mortgage delinquency in Orange, NC
0.4% of Orange, NC mortgages were ninety-plus days late (Orange, NC, December 2025); Orange, NC thirty-to-eighty-nine days late: 1.0%; Orange, NC twelve-month change -0.4%; Orange, NC peak since 2008: 1.9% (April 2010); North Carolina overall 0.9%. Orange, NC ninety-day series: Dec 24 0.8, Jan 25 0.8, Feb 25 0.7 (Orange, NC), Mar 25 0.6, Apr 25 0.6, May 25 0.6 (Orange, NC), Jun 25 0.6, Jul 25 0.8, Aug 25 0.5 (Orange, NC), Sep 25 0.7, Oct 25 0.6, Nov 25 0.7 (Orange, NC), Dec 25 0.4.
Opportunity index: Orange, NC
Orange, NC index 26.0, Orange, NC phase weak; Orange, NC primary driver bank institutional, Orange, NC second driver vacancy. Orange, NC components: property stress 21.1, foreclosure pressure 22.0, listing discounts 23.8, bank stress 57.5, insurance 0.0; Orange, NC pulse 28.4; Orange, NC capital opportunity 22.3; Orange, NC seven-day change -0.3%.
ZIP market phases inside Orange, NC
15 Orange, NC ZIPs carry a price-cycle phase; Orange, NC ZIPs by phase (Orange, NC), deepest drawdown first: peak, +1.3% YoY, 0.4% off peak (Orange, NC): 27243, 27278, 27510, 27514, Orange, NC 27516, 27517, 27583, 27599, Orange, NC 27705, 27707, 27712; peak, +1.4% YoY, 0.4% off peak (Orange, NC): 27541, 27231; peak, +1.6% YoY, 0.3% off peak (Orange, NC): 27572; neutral, +3.4% YoY, 0.1% off peak (Orange, NC): 27302.
Residential listings by Orange, NC ZIP
Orange, NC ZIPs with the most tracked Orange, NC residential listings: 27516 28 listings, 5 candidates, bank pressure 62; 27514 11 listings, 5 candidates, bank pressure 63; 27278 1 listings, 0 candidates, bank pressure 63; 27231 0 listings, 0 candidates, bank pressure 58 (Orange, NC); 27243 0 listings, 0 candidates, bank pressure 63; 27510 0 listings, 0 candidates, bank pressure 63; 27599 0 listings, 0 candidates, bank pressure 63. Orange, NC totals: 40 listings; Orange, NC candidates 10; active ZIPs 3.
HUD assisted housing in Orange, NC
12 assisted properties with 752 units sit in Orange, NC; largest Orange, NC properties: Links Apartments Linden (Chapel Hill) 215 units; Ashbrook Apartments (Carrboro) 170 units; Heritage Apartments (Hillsborough) 143 units in Orange, NC; In-Chu-Co Apartments (Chapel Hill) 79 units, 39 assisted; First Baptist And Manley Estates (Chapel Hill) 41 units, 40 assisted; Covenant Place (Carrboro) 40 units, 40 assisted.
Lenders with branches in Orange, NC
Orange, NC lenders by branch count: Truist Bank (Orange, NC): stress 62, 4 branches low in Orange, NC; Bank Of America Na (Orange, NC): stress 71, 3 branches low in Orange, NC; First-Citizens Bank&Trust Co (Orange, NC): stress 71, 1 branch low in Orange, NC.
Vacancy and permits, Orange, NC
5,516 of 62,858 Orange, NC housing units are vacant; Orange, NC permits, twelve months: 713 multifamily units in Orange, NC, 352 one-to-four unit units.
Work Orange, NC at the parcel level
Every Orange, NC parcel carries owner and address; every Orange, NC parcel carries APN; Orange, NC distress scores sit on the Orange, NC live board.
Orange, NC figures refresh with each source.
Orange, NC questions
Most distressed ZIP code in Orange County, NC?
ZIP 27705 leads Orange, NC at 28/100; next in Orange, NC: 27707 at 28/100; the Orange, NC average is 26/100.
Where does Orange County, NC rank for investment opportunity?
Orange, NC is #2,467 among all ranked counties, #97 in North Carolina; the Orange, NC driver is bank institutional; Orange, NC moved up 90 places.
How many mortgages are delinquent in Orange County, NC?
0.4% of Orange, NC mortgages were ninety-plus days late in December 2025; the Orange, NC peak since 2008 was 1.9%.
Which banks lend in Orange County, NC?
3 watched lenders hold Orange, NC branches; the largest Orange, NC footprints are Truist Bank (4), Bank Of America Na (3), First-Citizens Bank&Trust Co (1).
More on Orange, NC
Orange County, NC distress report: public-record figures for Orange, NC; not legal advice for Orange, NC; not tax or investment advice; verify every Orange, NC record before acting.