Transylvania County, NC Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Transylvania County, North Carolina? DLRadar grades every Transylvania County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 32/100. Here is the 2026 Transylvania County breakdown.
- Transylvania County's most distressed ZIP is 28708 at 32/100.
- 10 ZIP codes tracked in Transylvania County, averaging 32/100 distress.
- Transylvania County reads peak — home values up 1.9% year over year.
- Vacancy runs 31.2% across Transylvania County's tracked ZIPs, with a 12.8% poverty rate.
- The typical Transylvania County home is worth about $369,110 against a ~$69,867 median income.
- Lending headwind in Transylvania County sits at 47/100 — a forward read on distressed supply.
Data: DLRadar public-record property-distress index, refreshed monthly. Free to cite with attribution to DLRadar (dlradar.com) — a link back is appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 28708 | 32/100 |
| 2 | 28712 | 32/100 |
| 3 | 28718 | 32/100 |
| 4 | 28747 | 32/100 |
| 5 | 28768 | 32/100 |
| 6 | 28772 | 32/100 |
| 7 | 28739 | 31/100 |
| 8 | 28742 | 31/100 |
| 9 | 28766 | 31/100 |
| 10 | 28774 | 31/100 |
Most distressed ZIP codes in Transylvania County (composite distress 0-100, 2026)
What is driving Transylvania County distress
Nothing here is estimated: Transylvania County is scored from filings alone, and its ZIPs average 32/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Transylvania County market phase and pricing
The cycle in Transylvania County is peak, with values up 1.9% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Transylvania County
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Questions about this county
What is the hardest-hit ZIP in Transylvania County?
ZIP 28708 leads Transylvania County at 32/100, recomputed monthly from public records.
Is Transylvania County expanding or contracting?
Phase for Transylvania County: peak, tracking a 1.9% gain year over year, read off the FHFA index.
Where does the Transylvania County data come from?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 10 Transylvania County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Transylvania County ZIP codes?
A county average hides the spread. Across the Transylvania County ZIPs DLRadar ranks, scores run from 32/100 in 28708 down to 31/100 in 28774, against a Transylvania County average of 32/100. The 1-point range is the argument for ZIP-level search across Transylvania County.
What do Transylvania County home values and vacancy say about distressed supply?
The typical Transylvania County home carries about $369,110 of value against a median household income near $69,867. Vacancy across Transylvania County's tracked ZIPs runs 31.2% and the poverty rate is 12.8%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Transylvania County's foreclosure and tax-lien filings and its 47/100 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.