Watauga County, NC Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Watauga County, NC distress report, 2026: 10 ZIPs scored in Watauga, NC, Watauga, NC average 31/100; the top Watauga, NC ZIP is 28607 at 33/100; Watauga, NC market phase peak, Watauga, NC prices +1.9% year over year.
- Watauga, NC ranks #443 nationally (opportunity index); Watauga, NC #18 in North Carolina; Watauga, NC index 33.7.
- Watauga, NC: no CFPB county sample; Watauga, NC non-metro area reading 1.3%.
- Watauga, NC ZIP phases: 10 peak.
- Watauga, NC residential listings tracked: 11 across 7 ZIPs; Watauga, NC candidate listings 10.
- Watauga, NC HUD assisted properties: 2 with 195 units.
- Watauga, NC lenders on watch: 5; largest Watauga, NC footprint First-Citizens Bank&Trust Co (2 branches).
- Watauga, NC most distressed ZIP: 28607 at 33/100.
Watauga, NC figures: DLRadar distress index; Watauga, NC inputs: CFPB, FHFA, HUD, FDIC; Watauga, NC rebuilt as sources refresh.
| Rank | Watauga, NC ZIP | Score |
|---|---|---|
| 1 | 28607 | 33/100 |
| 2 | 28618 | 33/100 |
| 3 | 28679 | 33/100 |
| 4 | 28692 | 33/100 |
| 5 | 28698 | 33/100 |
| 6 | 28605 | 32/100 |
| 7 | 28684 | 31/100 |
| 8 | 28604 | 30/100 |
| 9 | 28645 | 29/100 |
| 10 | 28622 | 22/100 |
Most distressed Watauga, NC ZIPs (0-100, 2026)
Mortgage delinquency around Watauga, NC
No CFPB county sample covers Watauga, NC; the non-metro area reading for Watauga, NC: 1.3% ninety-plus; Watauga, NC area thirty-to-eighty-nine 3.4% (December 2025, Watauga, NC); North Carolina overall 0.9%.
Opportunity index: Watauga, NC
Watauga, NC index 33.7, Watauga, NC phase overheated; Watauga, NC primary driver vacancy, Watauga, NC second driver construction. Watauga, NC components: property stress 33.4, foreclosure pressure 36.7, listing discounts 14.1, bank stress 50.3, insurance 0.0; Watauga, NC pulse 41.3; Watauga, NC capital opportunity 22.3; Watauga, NC seven-day change -0.3%.
ZIP market phases inside Watauga, NC
10 Watauga, NC ZIPs carry a price-cycle phase; Watauga, NC ZIPs by phase (Watauga, NC), deepest drawdown first: peak, +2.3% YoY (Watauga, NC): 28604, 28645; peak, +2.1% YoY (Watauga, NC): 28605, 28698; peak, +1.9% YoY (Watauga, NC): 28607, 28618, 28692; peak, +2.8% YoY (Watauga, NC): 28622; peak, +2.0% YoY (Watauga, NC): 28679; peak, +2.4% YoY (Watauga, NC): 28684.
Residential listings by Watauga, NC ZIP
Watauga, NC ZIPs with the most tracked Watauga, NC residential listings: 28604 5 listings, 4 candidates, bank pressure 60; 28607 2 listings, 2 candidates, bank pressure 60; 28692 2 listings, 2 candidates, bank pressure 60; 28618 1 listings, 1 candidates, bank pressure 59 (Watauga, NC); 28679 1 listings, 1 candidates, bank pressure 60; 28605 0 listings, 0 candidates, bank pressure 61; 28698 0 listings, 0 candidates, bank pressure 61. Watauga, NC totals: 11 listings; Watauga, NC candidates 10; active ZIPs 0.
HUD assisted housing in Watauga, NC
2 assisted properties with 195 units sit in Watauga, NC; largest Watauga, NC properties: Skyline Terrace (Boone) 184 units; Cac Of Watauga Co. (Boone) 11 units, 10 assisted.
Lenders with branches in Watauga, NC
Watauga, NC lenders by branch count: First-Citizens Bank&Trust Co (Watauga, NC): stress 71, 2 branches low in Watauga, NC; Bank Of America Na (Watauga, NC): stress 71, 1 branch low in Watauga, NC; Lifestore Bank (Watauga, NC): stress 63, 1 branch low in Watauga, NC; Truist Bank (Watauga, NC): stress 62, 1 branch low in Watauga, NC; Piedmont Fsb (Watauga, NC): stress 57, 1 branch low in Watauga, NC.
Vacancy and permits, Watauga, NC
12,157 of 33,355 Watauga, NC housing units are vacant; Watauga, NC permits, twelve months: 82 multifamily units in Watauga, NC, 279 one-to-four unit units.
Work Watauga, NC at the parcel level
Every Watauga, NC parcel carries owner and address; every Watauga, NC parcel carries APN; Watauga, NC distress scores sit on the Watauga, NC live board.
Watauga, NC figures refresh with each source.
Watauga, NC questions
Most distressed ZIP code in Watauga County, NC?
ZIP 28607 leads Watauga, NC at 33/100; next in Watauga, NC: 28618 at 33/100; the Watauga, NC average is 31/100.
Where does Watauga County, NC rank for investment opportunity?
Watauga, NC is #443 among all ranked counties, #18 in North Carolina; the Watauga, NC driver is vacancy; Watauga, NC moved down 273 places.
How many mortgages are delinquent in Watauga County, NC?
Watauga, NC takes the non-metro area reading of 1.3% for December 2025; no CFPB county sample covers Watauga, NC.
Which banks lend in Watauga County, NC?
5 watched lenders hold Watauga, NC branches; the largest Watauga, NC footprints are First-Citizens Bank&Trust Co (2), Bank Of America Na (1), Lifestore Bank (1).
More on Watauga, NC
Watauga County, NC distress report: public-record figures for Watauga, NC; not legal advice for Watauga, NC; not tax or investment advice; verify every Watauga, NC record before acting.