Polk County, NC Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Polk County, NC distress report, 2026: 7 ZIPs scored in Polk, NC, Polk, NC average 27/100; the top Polk, NC ZIP is 28139 at 29/100; Polk, NC market phase peak, Polk, NC prices +2.8% year over year.
- Polk, NC ranks #965 nationally (opportunity index); Polk, NC #50 in North Carolina; Polk, NC index 31.3.
- Polk, NC: no CFPB county sample; Polk, NC non-metro area reading 1.3%.
- Polk, NC ZIP phases: 7 peak.
- Polk, NC residential listings tracked: 8 across 4 ZIPs; Polk, NC candidate listings 2.
- Polk, NC HUD assisted properties: 1 with 44 units.
- Polk, NC lenders on watch: 2; largest Polk, NC footprint Hometrust Bank (2 branches).
- Polk, NC most distressed ZIP: 28139 at 29/100.
Polk, NC figures: DLRadar distress index; Polk, NC inputs: CFPB, FHFA, HUD, FDIC; Polk, NC rebuilt as sources refresh.
| Rank | Polk, NC ZIP | Score |
|---|---|---|
| 1 | 28139 | 29/100 |
| 2 | 28792 | 28/100 |
| 3 | 28722 | 27/100 |
| 4 | 28731 | 27/100 |
| 5 | 28756 | 27/100 |
| 6 | 28782 | 27/100 |
| 7 | 28773 | 25/100 |
Most distressed Polk, NC ZIPs (0-100, 2026)
Mortgage delinquency around Polk, NC
No CFPB county sample covers Polk, NC; the non-metro area reading for Polk, NC: 1.3% ninety-plus; Polk, NC area thirty-to-eighty-nine 3.4% (December 2025, Polk, NC); North Carolina overall 0.9%.
Opportunity index: Polk, NC
Polk, NC index 31.3, Polk, NC phase early_signal; Polk, NC primary driver vacancy, Polk, NC second driver construction. Polk, NC components: property stress 29.3, foreclosure pressure 30.8, listing discounts 17.8, bank stress 50.1, insurance 0.0; Polk, NC pulse 36.9; Polk, NC capital opportunity 23.0; Polk, NC seven-day change -0.2%.
ZIP market phases inside Polk, NC
7 Polk, NC ZIPs carry a price-cycle phase; Polk, NC ZIPs by phase (Polk, NC), deepest drawdown first: peak, +2.1% YoY (Polk, NC): 28139; peak, +2.8% YoY (Polk, NC): 28722, 28756, 28782; peak, +1.2% YoY (Polk, NC): 28731; peak, +2.2% YoY (Polk, NC): 28773; peak, +0.8% YoY (Polk, NC): 28792.
Residential listings by Polk, NC ZIP
Polk, NC ZIPs with the most tracked Polk, NC residential listings: 28782 5 listings, 0 candidates, bank pressure 60; 28722 1 listings, 1 candidates, bank pressure 60; 28756 1 listings, 1 candidates, bank pressure 58; 28773 1 listings, 0 candidates, bank pressure 59 (Polk, NC). Polk, NC totals: 8 listings; Polk, NC candidates 2; active ZIPs 1.
HUD assisted housing in Polk, NC
1 assisted properties with 44 units sit in Polk, NC; largest Polk, NC properties: Highwood Apartments (Columbus) 44 units, 44 assisted.
Lenders with branches in Polk, NC
Polk, NC lenders by branch count: Hometrust Bank (Polk, NC): stress 49, 2 branches low in Polk, NC; First-Citizens Bank&Trust Co (Polk, NC): stress 71, 1 branch low in Polk, NC.
Vacancy and permits, Polk, NC
2,066 of 11,042 Polk, NC housing units are vacant; Polk, NC permits, twelve months: 0 multifamily units in Polk, NC, 134 one-to-four unit units.
Work Polk, NC at the parcel level
Every Polk, NC parcel carries owner and address; every Polk, NC parcel carries APN; Polk, NC distress scores sit on the Polk, NC live board.
Polk, NC figures refresh with each source.
Polk, NC questions
Most distressed ZIP code in Polk County, NC?
ZIP 28139 leads Polk, NC at 29/100; next in Polk, NC: 28792 at 28/100; the Polk, NC average is 27/100.
Where does Polk County, NC rank for investment opportunity?
Polk, NC is #965 among all ranked counties, #50 in North Carolina; the Polk, NC driver is vacancy; Polk, NC moved down 254 places.
How many mortgages are delinquent in Polk County, NC?
Polk, NC takes the non-metro area reading of 1.3% for December 2025; no CFPB county sample covers Polk, NC.
Which banks lend in Polk County, NC?
2 watched lenders hold Polk, NC branches; the largest Polk, NC footprints are Hometrust Bank (2), First-Citizens Bank&Trust Co (1).
More on Polk, NC
Polk County, NC distress report: public-record figures for Polk, NC; not legal advice for Polk, NC; not tax or investment advice; verify every Polk, NC record before acting.