Polk County, NC Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Polk County, North Carolina? DLRadar grades every Polk County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 31/100. Here is the 2026 Polk County breakdown.
- Polk County's most distressed ZIP is 28139 at 31/100.
- 7 ZIP codes tracked in Polk County, averaging 28/100 distress.
- Polk County reads peak — home values up 2.8% year over year.
- Vacancy runs 19.3% across Polk County's tracked ZIPs, with a 15.6% poverty rate.
- The typical Polk County home is worth about $323,543 against a ~$57,410 median income.
- Lending headwind in Polk County sits at 30/100 — a forward read on distressed supply.
Source: the DLRadar property-distress index, rebuilt monthly from public records. Cite it freely with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 28139 | 31/100 |
| 2 | 28792 | 31/100 |
| 3 | 28731 | 30/100 |
| 4 | 28722 | 26/100 |
| 5 | 28756 | 26/100 |
| 6 | 28773 | 26/100 |
| 7 | 28782 | 26/100 |
Most distressed ZIP codes in Polk County (composite distress 0-100, 2026)
What is driving Polk County distress
Polk County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 28/100 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.
Polk County market phase and pricing
Polk County currently sits in peak after a 2.8% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
See the distressed properties behind the data in Polk County
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Frequently asked questions
Which Polk County ZIP scores worst for distress?
ZIP 28139 leads Polk County at 31/100, recomputed monthly from public records.
How would you describe the Polk County market phase?
The market phase for Polk County is peak, prices rising 2.8% on the year — derived from the FHFA House Price Index path.
What is this Polk County analysis built 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 7 Polk 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 Polk County ZIP codes?
The county figure is a blend, not a description. Across the Polk County ZIPs DLRadar ranks, scores run from 31/100 in 28139 down to 26/100 in 28782, against a Polk County average of 28/100. Because the gap runs to 5 points, Polk County rewards ZIP-level precision.
What do Polk County home values and vacancy say about distressed supply?
The typical Polk County home carries about $323,543 of value against a median household income near $57,410. Vacancy across Polk County's tracked ZIPs runs 19.3% and the poverty rate is 15.6%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Polk County's foreclosure and tax-lien filings and its 30/100 lending headwind.
Related
Scores here are computed from public records by fixed formulas. Nothing on this page is investment, legal or financial advice; the index refreshes monthly.