Surry County, NC Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Surry County, North Carolina? DLRadar grades every Surry County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 28/100. Here is the 2026 Surry County breakdown.
- Surry County's most distressed ZIP is 28621 at 28/100.
- 12 ZIP codes tracked in Surry County, averaging 25/100 distress.
- Surry County reads peak — home values up 1.9% year over year.
- Vacancy runs 14.8% across Surry County's tracked ZIPs, with a 14.1% poverty rate.
- The typical Surry County home is worth about $196,175 against a ~$56,281 median income.
- Lending headwind in Surry County sits at 32/100 — 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 | 28621 | 28/100 |
| 2 | 28683 | 28/100 |
| 3 | 28676 | 27/100 |
| 4 | 27007 | 25/100 |
| 5 | 27017 | 25/100 |
| 6 | 27024 | 25/100 |
| 7 | 27030 | 25/100 |
| 8 | 27041 | 25/100 |
| 9 | 27043 | 25/100 |
| 10 | 27047 | 25/100 |
| 11 | 27053 | 24/100 |
| 12 | 28623 | 23/100 |
Most distressed ZIP codes in Surry County (composite distress 0-100, 2026)
What is driving Surry County distress
Surry County's placement in the national index rests on public filings — a 25/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Surry County market phase and pricing
DLRadar places Surry 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 Surry County
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Questions and answers
What is the most distressed ZIP code in Surry County, NC?
ZIP 28621 leads Surry County at 28/100, recomputed monthly from public records.
Where is Surry County in the housing cycle?
Surry County currently sits in peak, with values up 1.9% year on year, based on FHFA price-index trajectory.
Where does the Surry County data come from?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 12 Surry County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Surry County ZIP codes?
A single county score papers over real variation. Across the Surry County ZIPs DLRadar ranks, scores run from 28/100 in 28621 down to 23/100 in 28623, against a Surry County average of 25/100. That 5-point gap is why acquisition targeting in Surry County works at ZIP level rather than county level.
What do Surry County home values and vacancy say about distressed supply?
The typical Surry County home carries about $196,175 of value against a median household income near $56,281. Vacancy across Surry County's tracked ZIPs runs 14.8% and the poverty rate is 14.1%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Surry County's foreclosure and lien filings and its 32/100 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.