Scotland County, NC Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Scotland County, North Carolina? DLRadar grades every Scotland County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 32/100. Here is the 2026 Scotland County breakdown.
- Scotland County's most distressed ZIP is 28364 at 32/100.
- 7 ZIP codes tracked in Scotland County, averaging 24/100 distress.
- Scotland County reads peak — home values up 1.9% year over year.
- Vacancy runs 13.2% across Scotland County's tracked ZIPs, with a 23.5% poverty rate.
- The typical Scotland County home is worth about $104,386 against a ~$40,090 median income.
- Lending headwind in Scotland County sits at 53/100 — a forward read on distressed supply.
All numbers: DLRadar's monthly public-record distress index. Reuse is welcome with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 28364 | 32/100 |
| 2 | 28343 | 24/100 |
| 3 | 28351 | 24/100 |
| 4 | 28352 | 24/100 |
| 5 | 28396 | 24/100 |
| 6 | 28363 | 23/100 |
| 7 | 28345 | 20/100 |
Most distressed ZIP codes in Scotland County (composite distress 0-100, 2026)
What is driving Scotland County distress
DLRadar builds Scotland County's distress picture only from records anyone can pull; its ZIPs average 24/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Scotland County market phase and pricing
DLRadar places Scotland 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 Scotland County
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Questions about this county
Where is distress highest inside Scotland County, NC?
ZIP 28364 leads Scotland County at 32/100, recomputed monthly from public records.
Which phase does Scotland County sit in right now?
Scotland County is classified peak with a 1.9% year-over-year increase, following the FHFA House Price Index.
Can the Scotland County figures be verified?
Each Scotland County number can be traced back to a federal or county source — FHFA, CFPB, the recorder, FEMA/NFIP and Census ACS. One deterministic model covers all 7 local ZIPs and every other county in the country.
How much do distress scores vary between Scotland County ZIP codes?
One county number flattens a wide range. Across the Scotland County ZIPs DLRadar ranks, scores run from 32/100 in 28364 down to 20/100 in 28345, against a Scotland County average of 24/100. The 12-point range is the argument for ZIP-level search across Scotland County.
What do Scotland County home values and vacancy say about distressed supply?
The typical Scotland County home carries about $104,386 of value against a median household income near $40,090. Vacancy across Scotland County's tracked ZIPs runs 13.2% and the poverty rate is 23.5%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Scotland County's foreclosure and tax-lien filings and its 53/100 lending headwind.
Related
These scores come from public filings run through fixed formulas. Nothing here is investment, legal or financial advice; the index refreshes monthly.