Caldwell County, NC: Foreclosures, Tax Liens & Distressed Properties

Caldwell County, NC, North Carolina: 10 ZIP codes scored, Caldwell County, NC averaging 30/100 (moderate, Caldwell, NC), from 27 to 34. Caldwell County, NC is in its peak phase (Caldwell, NC confidence 19/100): Caldwell, NC home prices up 2.3% (Caldwell, NC) over twelve months. Caldwell County, NC lender headwind: 55/100.

Highest-scoring Caldwell County, NC ZIPs: 28606 (34/100), 28624 (34/100), 28605 (32/100), 28630 (29/100), 28638 (29/100), 28645 (29/100). Also scored in Caldwell County, NC: 28667, 28601, 28611, 28655.

Across Caldwell County, NC's scored ZIPs: median home value $223,500, household income $58,538, 24.2% vacancy, 14.0% poverty, 73% owner-occupied, median age 47.3.

Caldwell County, NC insurance distress 80/100 (#354 in the US); FEMA hazard 78/100 for Caldwell, NC; 6 federal disaster declarations in Caldwell County, NC since 2023; 15 Caldwell, NC NFIP flood claims, $382K paid; Caldwell, NC construction distress 48/100.

7 banks with 13 branches lend in Caldwell County, NC; Caldwell, NC weighted bank stress 63/100, highest 71/100 in Caldwell, NC.

Caldwell County, NC unemployment 3.5% (Caldwell, NC -0.3 pts, six months); 455 new housing units permitted in Caldwell County, NC over twelve months, Caldwell, NC up 2% from 448; Caldwell, NC home prices +11.9% a year (Caldwell, NC) over three years.

37,387 housing units in Caldwell County, NC; 8,515 Caldwell, NC renter households; 33% of Caldwell, NC renters spend 30%+ of income on rent, 13% (Caldwell, NC) half or more.

Caldwell County, NC ranks #941 nationally on the opportunity index (Caldwell, NC, among all ranked counties); Caldwell, NC scores 31.4/100 and Caldwell, NC sits #49 inside North Carolina. Caldwell, NC is in the watchlist opportunity phase; Caldwell, NC's primary driver is vacancy, Caldwell, NC second driver bank institutional; Caldwell, NC moved up 245 places. 10 short-sale listings across Caldwell, NC; 104 days on market observed in Caldwell, NC; 11.9% vacancy over 10 Caldwell, NC ZIPs.

No CFPB county sample covers Caldwell County, NC. The metro area reading for Caldwell, NC (Hickory-Lenoir-Morganton, NC): 1.7% ninety-plus days late; Caldwell, NC's thirty-to-eighty-nine share is 3.4% (Caldwell, NC, December 2025 data); North Carolina overall 0.9%.

Caldwell County, NC has 2 watched banks; 2 Caldwell, NC banks sit in an elevated band. Caldwell, NC footprints: First-Citizens Bank&Trust Co (3 branches, stress 71) in Caldwell, NC; Truist Bank (1 branch, stress 62) in Caldwell, NC.

HUD lists 4 assisted multifamily properties in Caldwell County, NC with 123 units; 122 Caldwell, NC units are assisted, 2 Caldwell, NC properties under project-based Section 8.

4,468 of the 37,387 housing units in Caldwell, NC sit vacant. Caldwell County, NC permitted 144 multifamily units in twelve months; Caldwell, NC's one-to-four unit structures added 311 units in Caldwell County, NC.