Rowan County, NC Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Rowan County, NC distress report, 2026: 20 ZIPs scored in Rowan, NC, Rowan, NC average 25/100; the top Rowan, NC ZIP is 28036 at 39/100; Rowan, NC market phase peak, Rowan, NC prices +1.0% year over year.
- Rowan, NC ranks #2,346 nationally (opportunity index); Rowan, NC #95 in North Carolina; Rowan, NC index 26.5.
- Rowan, NC ninety-day mortgage delinquency 0.7% in December 2025; Rowan, NC twelve-month change +0.4%.
- Rowan, NC ZIP phases: 20 peak.
- Rowan, NC residential listings tracked: 47 across 14 ZIPs; Rowan, NC candidate listings 7.
- Rowan, NC HUD assisted properties: 11 with 732 units.
- Rowan, NC lenders on watch: 5; largest Rowan, NC footprint Farmers&Merchants Bank (9 branches).
- Rowan, NC most distressed ZIP: 28036 at 39/100.
Rowan, NC figures: DLRadar distress index; Rowan, NC inputs: CFPB, FHFA, HUD, FDIC; Rowan, NC rebuilt as sources refresh.
| Rank | Rowan, NC ZIP | Score |
|---|---|---|
| 1 | 28036 | 39/100 |
| 2 | 28083 | 33/100 |
| 3 | 28081 | 30/100 |
| 4 | 28115 | 27/100 |
| 5 | 28071 | 26/100 |
| 6 | 28127 | 26/100 |
| 7 | 28138 | 25/100 |
| 8 | 28137 | 24/100 |
| 9 | 27013 | 22/100 |
| 10 | 27054 | 22/100 |
| 11 | 28023 | 22/100 |
| 12 | 28039 | 22/100 |
Most distressed Rowan, NC ZIPs (0-100, 2026)
Mortgage delinquency in Rowan, NC
0.7% of Rowan, NC mortgages were ninety-plus days late (Rowan, NC, December 2025); Rowan, NC thirty-to-eighty-nine days late: 3.7%; Rowan, NC twelve-month change +0.4%; Rowan, NC peak since 2008: 4.5% (March 2010); North Carolina overall 0.9%. Rowan, NC ninety-day series: Dec 24 0.3, Jan 25 0.5, Feb 25 0.3 (Rowan, NC), Mar 25 0.5, Apr 25 0.6, May 25 0.7 (Rowan, NC), Jun 25 0.8, Jul 25 0.7, Aug 25 0.9 (Rowan, NC), Sep 25 1.0, Oct 25 1.0, Nov 25 1.1 (Rowan, NC), Dec 25 0.7.
Opportunity index: Rowan, NC
Rowan, NC index 26.5, Rowan, NC phase weak; Rowan, NC primary driver vacancy, Rowan, NC second driver bank institutional. Rowan, NC components: property stress 17.7, foreclosure pressure 17.7, listing discounts 30.2, bank stress 49.3, insurance 0.0; Rowan, NC pulse 26.9; Rowan, NC capital opportunity 25.8; Rowan, NC seven-day change -0.2%.
ZIP market phases inside Rowan, NC
20 Rowan, NC ZIPs carry a price-cycle phase; Rowan, NC ZIPs by phase (Rowan, NC), deepest drawdown first: peak, +1.0% YoY (Rowan, NC): 27013, 27054, 28023, 28036, Rowan, NC 28039, 28041, 28071, 28072, Rowan, NC 28081, 28083, 28088, 28115, Rowan, NC 28125, 28138; peak, +2.3% YoY (Rowan, NC): 28127; peak, +1.5% YoY (Rowan, NC): 28137.
Residential listings by Rowan, NC ZIP
Rowan, NC ZIPs with the most tracked Rowan, NC residential listings: 28144 18 listings, 2 candidates, bank pressure 54; 28146 8 listings, 1 candidates, bank pressure 54; 28159 5 listings, 0 candidates, bank pressure 54; 27054 4 listings, 1 candidates, bank pressure 54 (Rowan, NC); 28023 4 listings, 2 candidates, bank pressure 54; 28071 3 listings, 0 candidates, bank pressure 57; 27013 2 listings, 0 candidates, bank pressure 56; 28088 1 listings, 0 candidates, bank pressure 54. Rowan, NC totals: 47 listings; Rowan, NC candidates 7; active ZIPs 10.
HUD assisted housing in Rowan, NC
11 assisted properties with 732 units sit in Rowan, NC; largest Rowan, NC properties: Grand On Julian, The (Salisbury) 240 units; Salisbury Village Apartments (Salisbury) 192 units; Clancy Hills (Salisbury) 88 units, 88 assisted in Rowan, NC; Sterling Trace Apts. (Salisbury) 80 units; Zion Hills Apartments (Salisbury) 50 units, 50 assisted; White Rock Gardens (Granite Quarry) 30 units, 30 assisted.
Lenders with branches in Rowan, NC
Rowan, NC lenders by branch count: Farmers&Merchants Bank (Rowan, NC): stress 22, 9 branches low in Rowan, NC; Truist Bank (Rowan, NC): stress 62, 2 branches low in Rowan, NC; Bank Of America Na (Rowan, NC): stress 71, 1 branch low in Rowan, NC; Fidelity Bank (Rowan, NC): stress 56, 1 branch low in Rowan, NC; First Bank (Rowan, NC): stress 47, 1 branch low in Rowan, NC.
Vacancy and permits, Rowan, NC
6,076 of 64,975 Rowan, NC housing units are vacant; Rowan, NC permits, twelve months: 317 multifamily units in Rowan, NC, 1,048 one-to-four unit units.
Work Rowan, NC at the parcel level
Every Rowan, NC parcel carries owner and address; every Rowan, NC parcel carries APN; Rowan, NC distress scores sit on the Rowan, NC live board.
Rowan, NC figures refresh with each source.
Rowan, NC questions
Most distressed ZIP code in Rowan County, NC?
ZIP 28036 leads Rowan, NC at 39/100; next in Rowan, NC: 28083 at 33/100; the Rowan, NC average is 25/100.
Where does Rowan County, NC rank for investment opportunity?
Rowan, NC is #2,346 among all ranked counties, #95 in North Carolina; the Rowan, NC driver is vacancy; Rowan, NC moved up 510 places.
How many mortgages are delinquent in Rowan County, NC?
0.7% of Rowan, NC mortgages were ninety-plus days late in December 2025; the Rowan, NC peak since 2008 was 4.5%.
Which banks lend in Rowan County, NC?
5 watched lenders hold Rowan, NC branches; the largest Rowan, NC footprints are Farmers&Merchants Bank (9), Truist Bank (2), Bank Of America Na (1).
More on Rowan, NC
Rowan County, NC distress report: public-record figures for Rowan, NC; not legal advice for Rowan, NC; not tax or investment advice; verify every Rowan, NC record before acting.