Swain County, NC Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Swain County, North Carolina? DLRadar grades every Swain County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 29/100. Here is the 2026 Swain County breakdown.
- Swain County's most distressed ZIP is 28789 at 29/100.
- 5 ZIP codes tracked in Swain County, averaging 22/100 distress.
- Swain County reads peak — home values up 2.8% year over year.
- Vacancy runs 34.7% across Swain County's tracked ZIPs, with a 16.1% poverty rate.
- The typical Swain County home is worth about $226,600 against a ~$50,885 median income.
- Lending headwind in Swain County sits at 57/100 — a forward read on distressed supply.
Based on DLRadar's public-record distress index, updated every month. Free to cite with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 28789 | 29/100 |
| 2 | 28713 | 27/100 |
| 3 | 28719 | 27/100 |
| 4 | 28702 | 15/100 |
| 5 | 28771 | 14/100 |
Most distressed ZIP codes in Swain County (composite distress 0-100, 2026)
What is driving Swain County distress
DLRadar builds Swain County's distress picture only from records anyone can pull; its ZIPs average 22/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Swain County market phase and pricing
Swain County reads peak — home prices rose 2.8% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Swain County
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What people ask
What is the most distressed ZIP code in Swain County, NC?
ZIP 28789 leads Swain County at 29/100, recomputed monthly from public records.
Is Swain County expanding or contracting?
FHFA price-index movement places Swain County in peak; prices are up 2.8% over twelve months.
Where does the Swain County data come from?
The inputs are all public: FHFA for the peak path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 5 ZIP codes in Swain County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Swain County ZIP codes?
The county figure is a blend, not a description. Across the Swain County ZIPs DLRadar ranks, scores run from 29/100 in 28789 down to 14/100 in 28771, against a Swain County average of 22/100. That 15-point gap is why acquisition targeting in Swain County works at ZIP level rather than county level.
What do Swain County home values and vacancy say about distressed supply?
The typical Swain County home carries about $226,600 of value against a median household income near $50,885. Vacancy across Swain County's tracked ZIPs runs 34.7% and the poverty rate is 16.1%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Swain County's foreclosure and lien data and its 57/100 lending headwind.
Related
Formula-driven readings of public documents. Not investment, legal or financial advice of any kind; figures refresh from the live index each month.