Rutherford County, NC Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Rutherford County, North Carolina? DLRadar grades every Rutherford County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 32/100. Here is the 2026 Rutherford County breakdown.
- Rutherford County's most distressed ZIP is 28167 at 32/100.
- 18 ZIP codes tracked in Rutherford County, averaging 31/100 distress.
- Rutherford County reads peak — home values up 1.9% year over year.
- Vacancy runs 19.6% across Rutherford County's tracked ZIPs, with a 19.1% poverty rate.
- The typical Rutherford County home is worth about $245,243 against a ~$53,663 median income.
- Lending headwind in Rutherford County sits at 34/100 — 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 | 28167 | 32/100 |
| 2 | 28018 | 31/100 |
| 3 | 28019 | 31/100 |
| 4 | 28020 | 31/100 |
| 5 | 28024 | 31/100 |
| 6 | 28040 | 31/100 |
| 7 | 28043 | 31/100 |
| 8 | 28074 | 31/100 |
| 9 | 28076 | 31/100 |
| 10 | 28114 | 31/100 |
| 11 | 28139 | 31/100 |
| 12 | 28150 | 31/100 |
Most distressed ZIP codes in Rutherford County (composite distress 0-100, 2026)
What is driving Rutherford County distress
Nothing here is estimated: Rutherford County is scored from filings alone, and its ZIPs average 31/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Rutherford County market phase and pricing
DLRadar places Rutherford County in peak; prices moved up 1.9% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Rutherford County
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Frequently asked
Which ZIP code leads Rutherford County on distress?
ZIP 28167 leads Rutherford County at 32/100, recomputed monthly from public records.
Which phase does Rutherford County sit in right now?
Rutherford County reads peak, with home prices up 1.9% year over year. Phase comes from FHFA House Price Index trajectory.
Which datasets feed the Rutherford County scores?
The inputs are all public: FHFA for the peak path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 18 ZIP codes in Rutherford County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Rutherford County ZIP codes?
The county figure is a blend, not a description. Across the Rutherford County ZIPs DLRadar ranks, scores run from 32/100 in 28167 down to 31/100 in 28150, against a Rutherford County average of 31/100. With 1 points between best and worst, county-level targeting in Rutherford County wastes effort.
What do Rutherford County home values and vacancy say about distressed supply?
The typical Rutherford County home carries about $245,243 of value against a median household income near $53,663. Vacancy across Rutherford County's tracked ZIPs runs 19.6% and the poverty rate is 19.1%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Rutherford County's foreclosure and lien filings and its 34/100 lending headwind.
Related
Produced by fixed formulas over public records — research, not investment, legal or financial advice. The underlying index updates monthly.