North Carolina County Foreclosure & Distress Reports (2026)

One report per county — 100 in North Carolina — each scored 0-100 from public foreclosure, tax-lien, mortgage and bank-stress records and refreshed monthly. The live county pages sit under the North Carolina distress hub; insurance pressure is on the North Carolina home-insurance page.

100 North Carolina county reports sit in this archive; North Carolina opportunity phases run 32 early_signal, 20 watchlist, 19 weak; North Carolina ninety-day delinquency 0.9%; 39 banks chartered in North Carolina; 58,522 HUD-assisted North Carolina units.

North Carolina counties to open first by opportunity rank: Bertie (#66, strong_buy); Northampton (#69, overheated); Scotland (#83, strong_buy) in North Carolina; Montgomery (#95, strong_buy); Macon (#106, strong_buy); Hertford (#142, strong_buy).

North Carolina insurance bands across counties: 58 high in North Carolina, 42 medium; North Carolina NFIP claims 4,158 in three years.

North Carolina counties in the peak phase (95): Alexander, Alleghany, Anson, Ashe, Avery, Beaufort (North Carolina), Bertie, Bladen, Brunswick, Buncombe, Burke, Cabarrus (North Carolina), Caldwell, Camden, Carteret, Caswell, Catawba, Chatham (North Carolina), Cherokee, Chowan, Clay, Cleveland, Columbus, Craven (North Carolina), Cumberland, Currituck, Dare, Davidson, Davie, Duplin (North Carolina), Durham, Forsyth, Franklin, Gaston, Gates, Graham (North Carolina), Granville, Greene, Guilford, Halifax, Harnett, Haywood (North Carolina), Henderson, Hertford, Hoke, Hyde, Iredell, Jackson (North Carolina), Johnston, Jones, Lee, Lenoir, Lincoln, Macon (North Carolina), Madison, Martin, Mcdowell, Mecklenburg, Mitchell, Montgomery (North Carolina), New Hanover, Northampton, Onslow, Orange, Pamlico, Pasquotank (North Carolina), Pender, Perquimans, Person, Polk, Randolph, Richmond (North Carolina), Robeson, Rockingham, Rowan, Rutherford, Sampson, Scotland (North Carolina), Stanly, Stokes, Surry, Swain, Transylvania, Tyrrell (North Carolina), Union, Vance, Wake, Warren, Washington, Watauga (North Carolina), Wayne, Wilkes, Wilson, Yadkin, Yancey.

North Carolina counties in the contraction phase (3): Edgecombe, Moore, Nash.

North Carolina counties in the expansion phase (1): Alamance.

North Carolina counties in the neutral phase (1): Pitt.

North Carolina permitted 87,853 housing units in twelve months; 613,323 North Carolina units sit vacant of 4,895,668.

North Carolina counties highest on the national opportunity index: Bertie #66 (38.1/100, strong_buy); Northampton #69 (38.0/100, overheated); Scotland #83 (37.7/100, strong_buy) in North Carolina; Montgomery #95 (37.4/100, strong_buy); Macon #106 (37.2/100, strong_buy); Hertford #142 (36.5/100, strong_buy) in North Carolina; Madison #166 (36.2/100, peak_opportunity); Robeson #176 (36.1/100, peak_opportunity); Edgecombe #187 (36.0/100, peak_opportunity) in North Carolina; Cherokee #187 (36.0/100, peak_opportunity); Mitchell #266 (35.2/100, peak_opportunity); Nash #357 (34.3/100, peak_opportunity) in North Carolina.

How the North Carolina county reports are scored: each North Carolina report reads its county's foreclosure filings, North Carolina tax-lien and tax-deed records, FHA mortgage delinquency in North Carolina (ninety-day rate 0.9%, December 2025), the FDIC stress of North Carolina lenders (39 chartered in North Carolina) and FEMA/NFIP pressure on North Carolina (4,158 NFIP claims, three years), then scores every North Carolina ZIP 0-100.

Bertie County leads North Carolina on the opportunity index at #66 nationally with 10 scored ZIPs. Every North Carolina report is rebuilt monthly from public records; a North Carolina county whose data lapses keeps its North Carolina page and says so.

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