Union County, NC Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Union County, NC distress report, 2026: 12 ZIPs scored in Union, NC, Union, NC average 34/100; the top Union, NC ZIP is 28105 at 41/100; Union, NC market phase peak, Union, NC prices +1.0% year over year.
- Union, NC ranks #1,974 nationally (opportunity index); Union, NC #83 in North Carolina; Union, NC index 27.8.
- Union, NC ninety-day mortgage delinquency 0.8% in December 2025; Union, NC twelve-month change +0.4%.
- Union, NC ZIP phases: 12 peak.
- Union, NC residential listings tracked: 46 across 8 ZIPs; Union, NC candidate listings 11.
- Union, NC HUD assisted properties: 4 with 137 units.
- Union, NC lenders on watch: 4; largest Union, NC footprint Truist Bank (7 branches).
- Union, NC most distressed ZIP: 28105 at 41/100.
Union, NC figures: DLRadar distress index; Union, NC inputs: CFPB, FHFA, HUD, FDIC; Union, NC rebuilt as sources refresh.
| Rank | Union, NC ZIP | Score |
|---|---|---|
| 1 | 28105 | 41/100 |
| 2 | 28227 | 41/100 |
| 3 | 28107 | 36/100 |
| 4 | 28104 | 34/100 |
| 5 | 28079 | 33/100 |
| 6 | 28103 | 33/100 |
| 7 | 28108 | 33/100 |
| 8 | 28110 | 33/100 |
| 9 | 28112 | 33/100 |
| 10 | 28173 | 33/100 |
| 11 | 28174 | 33/100 |
| 12 | 28133 | 21/100 |
Most distressed Union, NC ZIPs (0-100, 2026)
Mortgage delinquency in Union, NC
0.8% of Union, NC mortgages were ninety-plus days late (Union, NC, December 2025); Union, NC thirty-to-eighty-nine days late: 2.1%; Union, NC twelve-month change +0.4%; Union, NC peak since 2008: 5.0% (December 2009); North Carolina overall 0.9%. Union, NC ninety-day series: Dec 24 0.4, Jan 25 0.6, Feb 25 0.5 (Union, NC), Mar 25 0.4, Apr 25 0.4, May 25 0.5 (Union, NC), Jun 25 0.7, Jul 25 0.6, Aug 25 0.4 (Union, NC), Sep 25 0.6, Oct 25 0.8, Nov 25 0.8 (Union, NC), Dec 25 0.8.
Opportunity index: Union, NC
Union, NC index 27.8, Union, NC phase weak; Union, NC primary driver bank institutional, Union, NC second driver construction. Union, NC components: property stress 17.0, foreclosure pressure 15.1, listing discounts 32.1, bank stress 56.9, insurance 0.0; Union, NC pulse 29.7; Union, NC capital opportunity 24.9; Union, NC seven-day change -0.6%.
ZIP market phases inside Union, NC
12 Union, NC ZIPs carry a price-cycle phase; Union, NC ZIPs by phase (Union, NC), deepest drawdown first: peak, +1.0% YoY (Union, NC): 28079, 28103, 28104, 28105, Union, NC 28107, 28108, 28110, 28112, Union, NC 28133, 28173, 28174, 28227.
Residential listings by Union, NC ZIP
Union, NC ZIPs with the most tracked Union, NC residential listings: 28110 18 listings, 3 candidates, bank pressure 61; 28173 10 listings, 4 candidates, bank pressure 61; 28112 8 listings, 2 candidates, bank pressure 61; 28079 4 listings, 0 candidates, bank pressure 61 (Union, NC); 28103 3 listings, 0 candidates, bank pressure 62; 28104 2 listings, 2 candidates, bank pressure 58; 28174 1 listings, 0 candidates, bank pressure 61; 28108 0 listings, 0 candidates, bank pressure 61. Union, NC totals: 46 listings; Union, NC candidates 11; active ZIPs 7.
HUD assisted housing in Union, NC
4 assisted properties with 137 units sit in Union, NC; largest Union, NC properties: Cotton Street Commons (Monroe) 72 units, 72 assisted; Gatewood Village (Wingate) 40 units, 40 assisted; Jefferson Village Apartments (Monroe) 20 units, 20 assisted in Union, NC; Arc Union Apartments (The) (Monroe) 5 units, 5 assisted.
Lenders with branches in Union, NC
Union, NC lenders by branch count: Truist Bank (Union, NC): stress 62, 7 branches low in Union, NC; First-Citizens Bank&Trust Co (Union, NC): stress 71, 4 branches low in Union, NC; Bank Of America Na (Union, NC): stress 71, 3 branches low in Union, NC; American Bk Of The Carolinas (Union, NC): stress 53, 3 branches low in Union, NC.
Vacancy and permits, Union, NC
4,614 of 88,851 Union, NC housing units are vacant; Union, NC permits, twelve months: 347 multifamily units in Union, NC, 2,254 one-to-four unit units.
Work Union, NC at the parcel level
Every Union, NC parcel carries owner and address; every Union, NC parcel carries APN; Union, NC distress scores sit on the Union, NC live board.
Union, NC figures refresh with each source.
Union, NC questions
Most distressed ZIP code in Union County, NC?
ZIP 28105 leads Union, NC at 41/100; next in Union, NC: 28227 at 41/100; the Union, NC average is 34/100.
Where does Union County, NC rank for investment opportunity?
Union, NC is #1,974 among all ranked counties, #83 in North Carolina; the Union, NC driver is bank institutional; Union, NC moved up 291 places.
How many mortgages are delinquent in Union County, NC?
0.8% of Union, NC mortgages were ninety-plus days late in December 2025; the Union, NC peak since 2008 was 5.0%.
Which banks lend in Union County, NC?
4 watched lenders hold Union, NC branches; the largest Union, NC footprints are Truist Bank (7), First-Citizens Bank&Trust Co (4), Bank Of America Na (3).
More on Union, NC
Union County, NC distress report: public-record figures for Union, NC; not legal advice for Union, NC; not tax or investment advice; verify every Union, NC record before acting.