Richland County, SC Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Richland County, SC distress report, 2026: 25 ZIPs scored in Richland, SC, Richland, SC average 31/100; the top Richland, SC ZIP is 29036 at 33/100; Richland, SC market phase peak, Richland, SC prices +3.6% year over year.
- Richland, SC ranks #1,280 nationally (opportunity index); Richland, SC #38 in South Carolina; Richland, SC index 30.2.
- Richland, SC ninety-day mortgage delinquency 1.6% in December 2025; Richland, SC twelve-month change +0.9%.
- Richland, SC ZIP phases: 25 peak.
- Richland, SC residential listings tracked: 188 across 18 ZIPs; Richland, SC candidate listings 53.
- Richland, SC HUD assisted properties: 33 with 4,328 units.
- Richland, SC lenders on watch: 8; largest Richland, SC footprint First Community Bank (4 branches).
- Richland, SC most distressed ZIP: 29036 at 33/100.
Richland, SC figures: DLRadar distress index; Richland, SC inputs: CFPB, FHFA, HUD, FDIC; Richland, SC rebuilt as sources refresh.
| Rank | Richland, SC ZIP | Score |
|---|---|---|
| 1 | 29036 | 33/100 |
| 2 | 29212 | 33/100 |
| 3 | 29210 | 32/100 |
| 4 | 29044 | 31/100 |
| 5 | 29052 | 31/100 |
| 6 | 29061 | 31/100 |
| 7 | 29063 | 31/100 |
| 8 | 29078 | 31/100 |
| 9 | 29177 | 31/100 |
| 10 | 29201 | 31/100 |
| 11 | 29203 | 31/100 |
| 12 | 29204 | 31/100 |
Most distressed Richland, SC ZIPs (0-100, 2026)
Mortgage delinquency in Richland, SC
1.6% of Richland, SC mortgages were ninety-plus days late (Richland, SC, December 2025); Richland, SC thirty-to-eighty-nine days late: 4.2%; Richland, SC twelve-month change +0.9%; Richland, SC peak since 2008: 4.5% (July 2010); South Carolina overall 1.2%. Richland, SC ninety-day series: Dec 24 0.7, Jan 25 1.0, Feb 25 1.2 (Richland, SC), Mar 25 1.2, Apr 25 1.2, May 25 1.4 (Richland, SC), Jun 25 1.3, Jul 25 1.4, Aug 25 1.4 (Richland, SC), Sep 25 1.4, Oct 25 1.5, Nov 25 1.4 (Richland, SC), Dec 25 1.6.
Opportunity index: Richland, SC
Richland, SC index 30.2, Richland, SC phase watchlist; Richland, SC primary driver bank institutional, Richland, SC second driver vacancy. Richland, SC components: property stress 23.6, foreclosure pressure 23.3, listing discounts 35.2, bank stress 58.9, insurance 0.0; Richland, SC pulse 32.2; Richland, SC capital opportunity 27.2; Richland, SC seven-day change -0.4%.
ZIP market phases inside Richland, SC
25 Richland, SC ZIPs carry a price-cycle phase; Richland, SC ZIPs by phase (Richland, SC), deepest drawdown first: peak, +3.6% YoY (Richland, SC): 29016, 29036, 29044, 29045, Richland, SC 29052, 29061, 29063, 29078, Richland, SC 29130, 29177, 29180, 29201, Richland, SC 29203, 29204, 29205; peak, +3.7% YoY (Richland, SC): 29075.
Residential listings by Richland, SC ZIP
Richland, SC ZIPs with the most tracked Richland, SC residential listings: 29229 34 listings, 10 candidates, bank pressure 63; 29223 32 listings, 7 candidates, bank pressure 63; 29209 23 listings, 6 candidates, bank pressure 63; 29203 22 listings, 5 candidates, bank pressure 63 (Richland, SC); 29016 17 listings, 9 candidates, bank pressure 63; 29201 12 listings, 2 candidates, bank pressure 63; 29063 10 listings, 0 candidates, bank pressure 63; 29210 10 listings, 4 candidates, bank pressure 63. Richland, SC totals: 188 listings; Richland, SC candidates 53; active ZIPs 13.
HUD assisted housing in Richland, SC
33 assisted properties with 4,328 units sit in Richland, SC; largest Richland, SC properties: Greenbrier Apartments (Columbia) 526 units; Atlantic At Parkridge (Irmo) 298 units; Palisades At Blythewood I (Blythewood) 228 units in Richland, SC; Christopher Towers (Columbia) 225 units, 154 assisted; Waters At Longcreek (Columbia) 220 units; Atrium Place Apartments (Columbia) 216 units.
Lenders with branches in Richland, SC
Richland, SC lenders by branch count: First Community Bank (Richland, SC): stress 66, 4 branches low in Richland, SC; Arthur State Bank (Richland, SC): stress 79, 3 branches low in Richland, SC; Security Federal Bank (Richland, SC): stress 74, 3 branches low in Richland, SC; First Palmetto Bank (Richland, SC): stress 66, 3 branches low in Richland, SC; Optus Bank (Richland, SC): stress 61, 2 branches low in Richland, SC; Coastal Carolina Nb (Richland, SC): stress 73, 1 branch low in Richland, SC; First Reliance Bank (Richland, SC): stress 66, 1 branch low in Richland, SC; United Community Bank (Richland, SC): stress 56, 1 branch low in Richland, SC.
Vacancy and permits, Richland, SC
19,650 of 187,611 Richland, SC housing units are vacant; Richland, SC permits, twelve months: 1,760 multifamily units in Richland, SC, 2,259 one-to-four unit units.
Work Richland, SC at the parcel level
Every Richland, SC parcel carries owner and address; every Richland, SC parcel carries APN; Richland, SC distress scores sit on the Richland, SC live board.
Richland, SC figures refresh with each source.
Richland, SC questions
Most distressed ZIP code in Richland County, SC?
ZIP 29036 leads Richland, SC at 33/100; next in Richland, SC: 29212 at 33/100; the Richland, SC average is 31/100.
Where does Richland County, SC rank for investment opportunity?
Richland, SC is #1,280 among all ranked counties, #38 in South Carolina; the Richland, SC driver is bank institutional; Richland, SC moved up 485 places.
How many mortgages are delinquent in Richland County, SC?
1.6% of Richland, SC mortgages were ninety-plus days late in December 2025; the Richland, SC peak since 2008 was 4.5%.
Which banks lend in Richland County, SC?
8 watched lenders hold Richland, SC branches; the largest Richland, SC footprints are First Community Bank (4), Arthur State Bank (3), Security Federal Bank (3).
More on Richland, SC
Richland County, SC distress report: public-record figures for Richland, SC; not legal advice for Richland, SC; not tax or investment advice; verify every Richland, SC record before acting.