Pender County, NC Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Pender County, North Carolina? DLRadar grades every Pender County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 36/100. Here is the 2026 Pender County breakdown.
- Pender County's most distressed ZIP is 28401 at 36/100.
- 13 ZIP codes tracked in Pender County, averaging 31/100 distress.
- Pender County reads peak — home values up 3.5% year over year.
- Vacancy runs 19.2% across Pender County's tracked ZIPs, with a 11.6% poverty rate.
- The typical Pender County home is worth about $244,023 against a ~$76,712 median income.
- Lending headwind in Pender County sits at 42/100 — a forward read on distressed supply.
Based on DLRadar's public-record distress index, updated every month. Free to cite with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 28401 | 36/100 |
| 2 | 28411 | 36/100 |
| 3 | 28448 | 34/100 |
| 4 | 28447 | 31/100 |
| 5 | 28421 | 30/100 |
| 6 | 28425 | 30/100 |
| 7 | 28435 | 30/100 |
| 8 | 28443 | 30/100 |
| 9 | 28445 | 30/100 |
| 10 | 28454 | 30/100 |
| 11 | 28457 | 30/100 |
| 12 | 28478 | 30/100 |
Most distressed ZIP codes in Pender County (composite distress 0-100, 2026)
What is driving Pender County distress
Pender County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 31/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Pender County market phase and pricing
Phase for Pender County: peak (+3.5% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Pender County
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Frequently asked questions
Where is distress highest inside Pender County, NC?
ZIP 28401 leads Pender County at 36/100, recomputed monthly from public records.
Which phase does Pender County sit in right now?
FHFA price-index movement places Pender County in peak; prices are up 3.5% over twelve months.
Can the Pender County figures be verified?
Pender County draws on FHFA (peak trajectory), CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS — every one a public source. The scoring model does not change between counties, so these 13 ZIPs are comparable to anywhere else.
How much do distress scores vary between Pender County ZIP codes?
A county average hides the spread. Across the Pender County ZIPs DLRadar ranks, scores run from 36/100 in 28401 down to 30/100 in 28478, against a Pender County average of 31/100. With 6 points between best and worst, county-level targeting in Pender County wastes effort.
What do Pender County home values and vacancy say about distressed supply?
The typical Pender County home carries about $244,023 of value against a median household income near $76,712. Vacancy across Pender County's tracked ZIPs runs 19.2% and the poverty rate is 11.6%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Pender County's foreclosure and lien data and its 42/100 lending headwind.
Related
A deterministic scoring of public filings. Nothing on this page constitutes investment, legal or financial advice. Monthly refresh from the live index.