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

Cherokee County, NC, North Carolina: 4 ZIP codes scored, Cherokee County, NC averaging 27/100 (low, Cherokee, NC), from 23 to 28. Cherokee County, NC is in its peak phase (Cherokee, NC confidence 22/100): Cherokee, NC home prices up 2.8% (Cherokee, NC) over twelve months. Cherokee County, NC lender headwind: 50/100.

Highest-scoring Cherokee County, NC ZIPs: 28901 (28/100), 28905 (28/100), 28906 (28/100), 28902 (23/100).

Across Cherokee County, NC's scored ZIPs: median home value $222,350, household income $50,741, 29.6% vacancy, 15.5% poverty, 86% owner-occupied, median age 49.9.

Cherokee County, NC insurance distress 81/100 (#326 in the US); FEMA hazard 78/100 for Cherokee, NC; 6 federal disaster declarations in Cherokee County, NC since 2023; 6 Cherokee, NC NFIP flood claims, $406K paid; Cherokee, NC construction distress 50/100.

5 banks with 6 branches lend in Cherokee County, NC; Cherokee, NC weighted bank stress 62/100, highest 71/100 in Cherokee, NC.

Cherokee County, NC unemployment 3.6% (Cherokee, NC -0.6 pts, six months); 222 new housing units permitted in Cherokee County, NC over twelve months, Cherokee, NC down 1% from 224; Cherokee, NC home prices +10.5% a year (Cherokee, NC) over three years.

18,404 housing units in Cherokee County, NC; 2,137 Cherokee, NC renter households; 40% of Cherokee, NC renters spend 30%+ of income on rent, 14% (Cherokee, NC) half or more.

Cherokee County, NC ranks #187 nationally on the opportunity index (Cherokee, NC, among all ranked counties); Cherokee, NC scores 36.0/100 and Cherokee, NC sits #9 inside North Carolina. Cherokee, NC is in the peak_opportunity opportunity phase; Cherokee, NC's primary driver is vacancy, Cherokee, NC second driver bank institutional; Cherokee, NC moved up 38 places. 5 short-sale listings across Cherokee, NC; 86 days on market observed in Cherokee, NC; 28.2% vacancy over 4 Cherokee, NC ZIPs.

No CFPB county sample covers Cherokee County, NC. The non-metro area reading for Cherokee, NC: 1.3% ninety-plus days late; Cherokee, NC's thirty-to-eighty-nine share is 3.4% (Cherokee, NC, December 2025 data); North Carolina overall 0.9%.

Cherokee County, NC has 3 watched banks; 3 Cherokee, NC banks sit in an elevated band. Cherokee, NC footprints: First-Citizens Bank&Trust Co (1 branch, stress 71) in Cherokee, NC; Nantahala Bank&Trust Co (1 branch, stress 63) in Cherokee, NC; Truist Bank (1 branch, stress 62) in Cherokee, NC.

HUD lists 2 assisted multifamily properties in Cherokee County, NC with 21 units; 20 Cherokee, NC units are assisted, 1 Cherokee, NC properties under project-based Section 8.

5,163 of the 18,404 housing units in Cherokee, NC sit vacant. Cherokee County, NC permitted 0 multifamily units in twelve months; Cherokee, NC's one-to-four unit structures added 222 units in Cherokee County, NC.