Swain County, NC Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Swain County, NC distress report, 2026: 5 ZIPs scored in Swain, NC, Swain, NC average 22/100; the top Swain, NC ZIP is 28789 at 28/100; Swain, NC market phase peak, Swain, NC prices +2.8% year over year.
- Swain, NC ranks #451 nationally (opportunity index); Swain, NC #18 in North Carolina; Swain, NC index 33.7.
- Swain, NC: no CFPB county sample; Swain, NC non-metro area reading 1.3%.
- Swain, NC ZIP phases: 5 peak.
- Swain, NC residential listings tracked: 12 across 2 ZIPs; Swain, NC candidate listings 7.
- Swain, NC lenders on watch: 1; largest Swain, NC footprint First-Citizens Bank&Trust Co (2 branches).
- Swain, NC most distressed ZIP: 28789 at 28/100.
Swain, NC figures: DLRadar distress index; Swain, NC inputs: CFPB, FHFA, HUD, FDIC; Swain, NC rebuilt as sources refresh.
| Rank | Swain, NC ZIP | Score |
|---|---|---|
| 1 | 28789 | 28/100 |
| 2 | 28713 | 27/100 |
| 3 | 28719 | 27/100 |
| 4 | 28702 | 14/100 |
| 5 | 28771 | 13/100 |
Most distressed Swain, NC ZIPs (0-100, 2026)
Mortgage delinquency around Swain, NC
No CFPB county sample covers Swain, NC; the non-metro area reading for Swain, NC: 1.3% ninety-plus; Swain, NC area thirty-to-eighty-nine 3.4% (December 2025, Swain, NC); North Carolina overall 0.9%.
Opportunity index: Swain, NC
Swain, NC index 33.7, Swain, NC phase overheated; Swain, NC primary driver vacancy, Swain, NC second driver bank institutional. Swain, NC components: property stress 29.6, foreclosure pressure 30.6, listing discounts 20.7, bank stress 66.1, insurance 0.0; Swain, NC pulse 42.1; Swain, NC capital opportunity 21.0; Swain, NC seven-day change -0.7%.
ZIP market phases inside Swain, NC
5 Swain, NC ZIPs carry a price-cycle phase; Swain, NC ZIPs by phase (Swain, NC), deepest drawdown first: peak, +2.8% YoY (Swain, NC): 28702, 28713, 28719, 28771, Swain, NC 28789.
Residential listings by Swain, NC ZIP
Swain, NC ZIPs with the most tracked Swain, NC residential listings: 28713 12 listings, 7 candidates, bank pressure 61; 28719 0 listings, 0 candidates, bank pressure 59. Swain, NC totals: 12 listings; Swain, NC candidates 7; active ZIPs 0.
Lenders with branches in Swain, NC
Swain, NC lenders by branch count: First-Citizens Bank&Trust Co (Swain, NC): stress 71, 2 branches moderate in Swain, NC.
Vacancy and permits, Swain, NC
2,616 of 8,629 Swain, NC housing units are vacant; Swain, NC permits, twelve months: 3 multifamily units in Swain, NC, 79 one-to-four unit units.
Work Swain, NC at the parcel level
Every Swain, NC parcel carries owner and address; every Swain, NC parcel carries APN; Swain, NC distress scores sit on the Swain, NC live board.
Swain, NC figures refresh with each source.
Swain, NC questions
Most distressed ZIP code in Swain County, NC?
ZIP 28789 leads Swain, NC at 28/100; next in Swain, NC: 28713 at 27/100; the Swain, NC average is 22/100.
Where does Swain County, NC rank for investment opportunity?
Swain, NC is #451 among all ranked counties, #18 in North Carolina; the Swain, NC driver is vacancy; Swain, NC moved down 348 places.
How many mortgages are delinquent in Swain County, NC?
Swain, NC takes the non-metro area reading of 1.3% for December 2025; no CFPB county sample covers Swain, NC.
Which banks lend in Swain County, NC?
1 watched lenders hold Swain, NC branches; the largest Swain, NC footprints are First-Citizens Bank&Trust Co (2).
More on Swain, NC
Swain County, NC distress report: public-record figures for Swain, NC; not legal advice for Swain, NC; not tax or investment advice; verify every Swain, NC record before acting.