Richmond County, NC Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Richmond County, NC distress report, 2026: 11 ZIPs scored in Richmond, NC, Richmond, NC average 21/100; the top Richmond, NC ZIP is 27281 at 26/100; Richmond, NC market phase peak, Richmond, NC prices +1.9% year over year.
- Richmond, NC ranks #647 nationally (opportunity index); Richmond, NC #30 in North Carolina; Richmond, NC index 32.6.
- Richmond, NC: no CFPB county sample; Richmond, NC non-metro area reading 1.3%.
- Richmond, NC ZIP phases: 10 peak, 1 contraction.
- Richmond, NC residential listings tracked: 16 across 6 ZIPs; Richmond, NC candidate listings 8.
- Richmond, NC HUD assisted properties: 6 with 149 units.
- Richmond, NC lenders on watch: 3; largest Richmond, NC footprint Truist Bank (2 branches).
- Richmond, NC most distressed ZIP: 27281 at 26/100.
Richmond, NC figures: DLRadar distress index; Richmond, NC inputs: CFPB, FHFA, HUD, FDIC; Richmond, NC rebuilt as sources refresh.
| Rank | Richmond, NC ZIP | Score |
|---|---|---|
| 1 | 27281 | 26/100 |
| 2 | 28351 | 23/100 |
| 3 | 28347 | 22/100 |
| 4 | 28363 | 22/100 |
| 5 | 27229 | 20/100 |
| 6 | 27306 | 20/100 |
| 7 | 28330 | 19/100 |
| 8 | 28338 | 19/100 |
| 9 | 28345 | 19/100 |
| 10 | 28367 | 19/100 |
| 11 | 28379 | 19/100 |
Most distressed Richmond, NC ZIPs (0-100, 2026)
Mortgage delinquency around Richmond, NC
No CFPB county sample covers Richmond, NC; the non-metro area reading for Richmond, NC: 1.3% ninety-plus; Richmond, NC area thirty-to-eighty-nine 3.4% (December 2025, Richmond, NC); North Carolina overall 0.9%.
Opportunity index: Richmond, NC
Richmond, NC index 32.6, Richmond, NC phase watchlist; Richmond, NC primary driver vacancy, Richmond, NC second driver bank institutional. Richmond, NC components: property stress 31.0, foreclosure pressure 34.3, listing discounts 33.9, bank stress 49.5, insurance 0.0; Richmond, NC pulse 34.4; Richmond, NC capital opportunity 29.9; Richmond, NC seven-day change -0.4%.
ZIP market phases inside Richmond, NC
11 Richmond, NC ZIPs carry a price-cycle phase; Richmond, NC ZIPs by phase (Richmond, NC), deepest drawdown first: contraction, -0.7% YoY, 1.8% off peak (Richmond, NC): 27281; peak, +1.2% YoY, 0.5% off peak (Richmond, NC): 28347; peak, +2.7% YoY (Richmond, NC): 27229; peak, +2.6% YoY (Richmond, NC): 27306; peak, +1.9% YoY (Richmond, NC): 28330, 28338, 28345, 28351, Richmond, NC 28363, 28367, 28379.
Residential listings by Richmond, NC ZIP
Richmond, NC ZIPs with the most tracked Richmond, NC residential listings: 28379 13 listings, 5 candidates, bank pressure 48; 28347 2 listings, 2 candidates, bank pressure 57; 28345 1 listings, 1 candidates, bank pressure 54; 28330 0 listings, 0 candidates, bank pressure 48 (Richmond, NC); 28338 0 listings, 0 candidates, bank pressure 48; 28367 0 listings, 0 candidates, bank pressure 48. Richmond, NC totals: 16 listings; Richmond, NC candidates 8; active ZIPs 0.
HUD assisted housing in Richmond, NC
6 assisted properties with 149 units sit in Richmond, NC; largest Richmond, NC properties: Village Green Apartments (Rockingham) 48 units, 48 assisted; Richmond Village Apartments (Hamlet) 40 units, 40 assisted; Magnolia Apts. (Phase I) (Rockingham) 38 units, 38 assisted in Richmond, NC; Cac Of Richmond Co. (Hamlet) 10 units, 10 assisted; Cac Of Richmond County #2 (Rockingham) 9 units, 9 assisted; Arc/Hds Richmond County Apartments (Quadruplex) (Rockingham) 4 units, 4 assisted.
Lenders with branches in Richmond, NC
Richmond, NC lenders by branch count: Truist Bank (Richmond, NC): stress 62, 2 branches moderate in Richmond, NC; Fidelity Bank (Richmond, NC): stress 56, 1 branch moderate in Richmond, NC; First Bank (Richmond, NC): stress 47, 1 branch moderate in Richmond, NC.
Vacancy and permits, Richmond, NC
2,867 of 19,893 Richmond, NC housing units are vacant; Richmond, NC permits, twelve months: 40 multifamily units in Richmond, NC, 69 one-to-four unit units.
Work Richmond, NC at the parcel level
Every Richmond, NC parcel carries owner and address; every Richmond, NC parcel carries APN; Richmond, NC distress scores sit on the Richmond, NC live board.
Richmond, NC figures refresh with each source.
Richmond, NC questions
Most distressed ZIP code in Richmond County, NC?
ZIP 27281 leads Richmond, NC at 26/100; next in Richmond, NC: 28351 at 23/100; the Richmond, NC average is 21/100.
Where does Richmond County, NC rank for investment opportunity?
Richmond, NC is #647 among all ranked counties, #30 in North Carolina; the Richmond, NC driver is vacancy; Richmond, NC moved up 578 places.
How many mortgages are delinquent in Richmond County, NC?
Richmond, NC takes the non-metro area reading of 1.3% for December 2025; no CFPB county sample covers Richmond, NC.
Which banks lend in Richmond County, NC?
3 watched lenders hold Richmond, NC branches; the largest Richmond, NC footprints are Truist Bank (2), Fidelity Bank (1), First Bank (1).
More on Richmond, NC
Richmond County, NC distress report: public-record figures for Richmond, NC; not legal advice for Richmond, NC; not tax or investment advice; verify every Richmond, NC record before acting.