Stanly County, NC Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Stanly County, NC distress report, 2026: 12 ZIPs scored in Stanly, NC, Stanly, NC average 30/100; the top Stanly, NC ZIP is 28107 at 36/100; Stanly, NC market phase peak, Stanly, NC prices +1.9% year over year.
- Stanly, NC ranks #1,089 nationally (opportunity index); Stanly, NC #54 in North Carolina; Stanly, NC index 30.9.
- Stanly, NC: no CFPB county sample; Stanly, NC non-metro area reading 1.3%.
- Stanly, NC ZIP phases: 12 peak.
- Stanly, NC residential listings tracked: 27 across 9 ZIPs; Stanly, NC candidate listings 7.
- Stanly, NC HUD assisted properties: 6 with 111 units.
- Stanly, NC lenders on watch: 4; largest Stanly, NC footprint Uwharrie Bank (6 branches).
- Stanly, NC most distressed ZIP: 28107 at 36/100.
Stanly, NC figures: DLRadar distress index; Stanly, NC inputs: CFPB, FHFA, HUD, FDIC; Stanly, NC rebuilt as sources refresh.
| Rank | Stanly, NC ZIP | Score |
|---|---|---|
| 1 | 28107 | 36/100 |
| 2 | 28124 | 34/100 |
| 3 | 28001 | 30/100 |
| 4 | 28009 | 30/100 |
| 5 | 28097 | 30/100 |
| 6 | 28109 | 30/100 |
| 7 | 28128 | 30/100 |
| 8 | 28129 | 30/100 |
| 9 | 28163 | 30/100 |
| 10 | 28071 | 26/100 |
| 11 | 28127 | 26/100 |
| 12 | 28137 | 24/100 |
Most distressed Stanly, NC ZIPs (0-100, 2026)
Mortgage delinquency around Stanly, NC
No CFPB county sample covers Stanly, NC; the non-metro area reading for Stanly, NC: 1.3% ninety-plus; Stanly, NC area thirty-to-eighty-nine 3.4% (December 2025, Stanly, NC); North Carolina overall 0.9%.
Opportunity index: Stanly, NC
Stanly, NC index 30.9, Stanly, NC phase early_signal; Stanly, NC primary driver vacancy, Stanly, NC second driver construction. Stanly, NC components: property stress 23.3, foreclosure pressure 23.8, listing discounts 25.5, bank stress 55.3, insurance 0.0; Stanly, NC pulse 35.7; Stanly, NC capital opportunity 23.8; Stanly, NC seven-day change -0.7%.
ZIP market phases inside Stanly, NC
12 Stanly, NC ZIPs carry a price-cycle phase; Stanly, NC ZIPs by phase (Stanly, NC), deepest drawdown first: peak, +1.9% YoY (Stanly, NC): 28001, 28009, 28097, 28109, Stanly, NC 28128, 28129, 28163; peak, +1.0% YoY (Stanly, NC): 28071, 28107; peak, +1.1% YoY (Stanly, NC): 28124; peak, +2.3% YoY (Stanly, NC): 28127; peak, +1.5% YoY (Stanly, NC): 28137.
Residential listings by Stanly, NC ZIP
Stanly, NC ZIPs with the most tracked Stanly, NC residential listings: 28001 16 listings, 4 candidates, bank pressure 62; 28097 5 listings, 0 candidates, bank pressure 59; 28163 3 listings, 2 candidates, bank pressure 62; 28137 2 listings, 0 candidates, bank pressure 57 (Stanly, NC); 28127 1 listings, 1 candidates, bank pressure 57; 28009 0 listings, 0 candidates, bank pressure 62; 28109 0 listings, 0 candidates, bank pressure 62; 28128 0 listings, 0 candidates, bank pressure 62. Stanly, NC totals: 27 listings; Stanly, NC candidates 7; active ZIPs 2.
HUD assisted housing in Stanly, NC
6 assisted properties with 111 units sit in Stanly, NC; largest Stanly, NC properties: Morrow Chase Apts. (Albemarle) 48 units, 48 assisted; Matthew's Place (Albemarle) 34 units, 34 assisted; Cac Of Stanly Co. (Albemarle) 11 units, 10 assisted in Stanly, NC; As Stanly Co. G.H. #1 (Albemarle) 7 units, 6 assisted; As Stanly Co. G.H. #3 (Albemarle) 6 units, 4 assisted; As Stanly Co. Apts. #2 (Albemarle) 5 units, 4 assisted.
Lenders with branches in Stanly, NC
Stanly, NC lenders by branch count: Uwharrie Bank (Stanly, NC): stress 70, 6 branches low in Stanly, NC; First Bank (Stanly, NC): stress 47, 3 branches low in Stanly, NC; First-Citizens Bank&Trust Co (Stanly, NC): stress 71, 1 branch low in Stanly, NC; Truist Bank (Stanly, NC): stress 62, 1 branch low in Stanly, NC.
Vacancy and permits, Stanly, NC
3,392 of 28,632 Stanly, NC housing units are vacant; Stanly, NC permits, twelve months: 0 multifamily units in Stanly, NC, 323 one-to-four unit units.
Work Stanly, NC at the parcel level
Every Stanly, NC parcel carries owner and address; every Stanly, NC parcel carries APN; Stanly, NC distress scores sit on the Stanly, NC live board.
Stanly, NC figures refresh with each source.
Stanly, NC questions
Most distressed ZIP code in Stanly County, NC?
ZIP 28107 leads Stanly, NC at 36/100; next in Stanly, NC: 28124 at 34/100; the Stanly, NC average is 30/100.
Where does Stanly County, NC rank for investment opportunity?
Stanly, NC is #1,089 among all ranked counties, #54 in North Carolina; the Stanly, NC driver is vacancy; Stanly, NC moved down 243 places.
How many mortgages are delinquent in Stanly County, NC?
Stanly, NC takes the non-metro area reading of 1.3% for December 2025; no CFPB county sample covers Stanly, NC.
Which banks lend in Stanly County, NC?
4 watched lenders hold Stanly, NC branches; the largest Stanly, NC footprints are Uwharrie Bank (6), First Bank (3), First-Citizens Bank&Trust Co (1).
More on Stanly, NC
Stanly County, NC distress report: public-record figures for Stanly, NC; not legal advice for Stanly, NC; not tax or investment advice; verify every Stanly, NC record before acting.