Union County, NC Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Union County, North Carolina? DLRadar grades every Union County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 41/100. Here is the 2026 Union County breakdown.
- Union County's most distressed ZIP is 28105 at 41/100.
- 12 ZIP codes tracked in Union County, averaging 34/100 distress.
- Union County reads peak — home values up 1.0% year over year.
- Vacancy runs 10.3% across Union County's tracked ZIPs, with a 7.7% poverty rate.
- The typical Union County home is worth about $364,218 against a ~$100,579 median income.
- Lending headwind in Union County sits at 44/100 — a forward read on distressed supply.
Figures come from DLRadar's public-record distress index and refresh every month. Free to quote with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 28105 | 41/100 |
| 2 | 28227 | 41/100 |
| 3 | 28107 | 37/100 |
| 4 | 28079 | 33/100 |
| 5 | 28104 | 33/100 |
| 6 | 28108 | 33/100 |
| 7 | 28110 | 33/100 |
| 8 | 28112 | 33/100 |
| 9 | 28173 | 33/100 |
| 10 | 28174 | 33/100 |
| 11 | 28103 | 32/100 |
| 12 | 28133 | 20/100 |
Most distressed ZIP codes in Union County (composite distress 0-100, 2026)
What is driving Union County distress
Union County's placement in the national index rests on public filings — a 34/100 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.
Union County market phase and pricing
Union County reads peak — home prices rose 1.0% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Union County
Union County's ZIP-level scores stay free. The 60-minute exploration is what unlocks the property-level detail behind them — no card today.
Nothing charged today · every module open, on live data.
What people ask
Which Union County ZIP scores worst for distress?
ZIP 28105 leads Union County at 41/100, recomputed monthly from public records.
Is Union County expanding or contracting?
Union County is classified peak with a 1.0% year-over-year increase, following the FHFA House Price Index.
What is this Union County analysis built 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 12 ZIP codes in Union County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Union County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Union County ZIPs DLRadar ranks, scores run from 41/100 in 28105 down to 20/100 in 28133, against a Union County average of 34/100. A spread of 21 points means Union County has to be worked ZIP by ZIP.
What do Union County home values and vacancy say about distressed supply?
The typical Union County home carries about $364,218 of value against a median household income near $100,579. Vacancy across Union County's tracked ZIPs runs 10.3% and the poverty rate is 7.7%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Union County's foreclosure and tax-lien record and its 44/100 lending headwind.
Related
DLRadar scores property distress from public records by deterministic formulas — not investment, legal, or financial advice. Figures refresh monthly from the live index.