Wilkes County, NC Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Wilkes County, NC distress report, 2026: 23 ZIPs scored in Wilkes, NC, Wilkes, NC average 31/100; the top Wilkes, NC ZIP is 28606 at 34/100; Wilkes, NC market phase peak, Wilkes, NC prices +1.9% year over year.
- Wilkes, NC ranks #1,179 nationally (opportunity index); Wilkes, NC #58 in North Carolina; Wilkes, NC index 30.6.
- Wilkes, NC: no CFPB county sample; Wilkes, NC non-metro area reading 1.3%.
- Wilkes, NC ZIP phases: 23 peak.
- Wilkes, NC residential listings tracked: 12 across 12 ZIPs; Wilkes, NC candidate listings 10.
- Wilkes, NC HUD assisted properties: 4 with 102 units.
- Wilkes, NC lenders on watch: 3; largest Wilkes, NC footprint First-Citizens Bank&Trust Co (1 branch).
- Wilkes, NC most distressed ZIP: 28606 at 34/100.
Wilkes, NC figures: DLRadar distress index; Wilkes, NC inputs: CFPB, FHFA, HUD, FDIC; Wilkes, NC rebuilt as sources refresh.
| Rank | Wilkes, NC ZIP | Score |
|---|---|---|
| 1 | 28606 | 34/100 |
| 2 | 28624 | 34/100 |
| 3 | 28635 | 34/100 |
| 4 | 28649 | 34/100 |
| 5 | 28651 | 34/100 |
| 6 | 28659 | 34/100 |
| 7 | 28665 | 34/100 |
| 8 | 28669 | 34/100 |
| 9 | 28670 | 34/100 |
| 10 | 28685 | 34/100 |
| 11 | 28697 | 34/100 |
| 12 | 28618 | 33/100 |
Most distressed Wilkes, NC ZIPs (0-100, 2026)
Mortgage delinquency around Wilkes, NC
No CFPB county sample covers Wilkes, NC; the non-metro area reading for Wilkes, NC: 1.3% ninety-plus; Wilkes, NC area thirty-to-eighty-nine 3.4% (December 2025, Wilkes, NC); North Carolina overall 0.9%.
Opportunity index: Wilkes, NC
Wilkes, NC index 30.6, Wilkes, NC phase early_signal; Wilkes, NC primary driver vacancy, Wilkes, NC second driver construction. Wilkes, NC components: property stress 23.0, foreclosure pressure 23.6, listing discounts 24.7, bank stress 44.3, insurance 0.0; Wilkes, NC pulse 33.9; Wilkes, NC capital opportunity 25.6; Wilkes, NC seven-day change -0.7%.
ZIP market phases inside Wilkes, NC
23 Wilkes, NC ZIPs carry a price-cycle phase; Wilkes, NC ZIPs by phase (Wilkes, NC), deepest drawdown first: peak, +2.9% YoY (Wilkes, NC): 27020; peak, +2.0% YoY (Wilkes, NC): 28606, 28654; peak, +1.9% YoY (Wilkes, NC): 28618, 28621, 28624, 28635, Wilkes, NC 28649, 28651, 28659, 28665, Wilkes, NC 28669; peak, +2.8% YoY (Wilkes, NC): 28640, 28644; peak, +3.2% YoY (Wilkes, NC): 28642; peak, +2.3% YoY (Wilkes, NC): 28645.
Residential listings by Wilkes, NC ZIP
Wilkes, NC ZIPs with the most tracked Wilkes, NC residential listings: 28649 3 listings, 3 candidates, bank pressure 58; 28654 2 listings, 2 candidates, bank pressure 60; 28659 2 listings, 0 candidates, bank pressure 58; 28606 1 listings, 1 candidates, bank pressure 60 (Wilkes, NC); 28624 1 listings, 1 candidates, bank pressure 60; 28635 1 listings, 1 candidates, bank pressure 58; 28685 1 listings, 1 candidates, bank pressure 58; 28697 1 listings, 1 candidates, bank pressure 58. Wilkes, NC totals: 12 listings; Wilkes, NC candidates 10; active ZIPs 1.
HUD assisted housing in Wilkes, NC
4 assisted properties with 102 units sit in Wilkes, NC; largest Wilkes, NC properties: Covington Way (Wilkesboro) 64 units; Woodlawn Apts. (N. Wilkesboro) 20 units, 20 assisted; Cac Of Wilkes Co. (North Wilkesboro) 11 units, 10 assisted in Wilkes, NC; Arc/Hds Wilkes County Group Home #2 (North Wilkesboro) 7 units, 6 assisted.
Lenders with branches in Wilkes, NC
Wilkes, NC lenders by branch count: First-Citizens Bank&Trust Co (Wilkes, NC): stress 71, 1 branch low in Wilkes, NC; Truist Bank (Wilkes, NC): stress 62, 1 branch low in Wilkes, NC; Piedmont Fsb (Wilkes, NC): stress 57, 1 branch low in Wilkes, NC.
Vacancy and permits, Wilkes, NC
4,729 of 31,836 Wilkes, NC housing units are vacant; Wilkes, NC permits, twelve months: 0 multifamily units in Wilkes, NC, 128 one-to-four unit units.
Work Wilkes, NC at the parcel level
Every Wilkes, NC parcel carries owner and address; every Wilkes, NC parcel carries APN; Wilkes, NC distress scores sit on the Wilkes, NC live board.
Wilkes, NC figures refresh with each source.
Wilkes, NC questions
Most distressed ZIP code in Wilkes County, NC?
ZIP 28606 leads Wilkes, NC at 34/100; next in Wilkes, NC: 28624 at 34/100; the Wilkes, NC average is 31/100.
Where does Wilkes County, NC rank for investment opportunity?
Wilkes, NC is #1,179 among all ranked counties, #58 in North Carolina; the Wilkes, NC driver is vacancy; Wilkes, NC moved up 22 places.
How many mortgages are delinquent in Wilkes County, NC?
Wilkes, NC takes the non-metro area reading of 1.3% for December 2025; no CFPB county sample covers Wilkes, NC.
Which banks lend in Wilkes County, NC?
3 watched lenders hold Wilkes, NC branches; the largest Wilkes, NC footprints are First-Citizens Bank&Trust Co (1), Truist Bank (1), Piedmont Fsb (1).
More on Wilkes, NC
Wilkes County, NC distress report: public-record figures for Wilkes, NC; not legal advice for Wilkes, NC; not tax or investment advice; verify every Wilkes, NC record before acting.