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

Cleveland County, NC, North Carolina: 15 ZIP codes scored, Cleveland County, NC averaging 30/100 (moderate, Cleveland, NC), from 29 to 30. Cleveland County, NC is in its peak phase (Cleveland, NC confidence 18/100): Cleveland, NC home prices up 1.9% (Cleveland, NC) over twelve months. Cleveland County, NC lender headwind: 9/100.

Highest-scoring Cleveland County, NC ZIPs: 28017 (30/100), 28020 (30/100), 28021 (30/100), 28040 (30/100), 28042 (30/100), 28073 (30/100). Also scored in Cleveland County, NC: 28086, 28089, 28090, 28114, 28136, 28150, 28152, 28169, 28168.

Across Cleveland County, NC's scored ZIPs: median home value $178,342, household income $56,408, 19.3% vacancy, 17.4% poverty, 71% owner-occupied, median age 39.7.

Cleveland County, NC insurance distress 79/100 (#392 in the US); FEMA hazard 78/100 for Cleveland, NC; 6 federal disaster declarations in Cleveland County, NC since 2023; 7 Cleveland, NC NFIP flood claims, $220K paid; Cleveland, NC construction distress 52/100.

9 banks with 17 branches lend in Cleveland County, NC; Cleveland, NC weighted bank stress 51/100, highest 67/100 in Cleveland, NC.

Cleveland County, NC unemployment 4.3% (Cleveland, NC -0.3 pts, six months); 551 new housing units permitted in Cleveland County, NC over twelve months, Cleveland, NC down 3% from 567; Cleveland, NC home prices +12.5% a year (Cleveland, NC) over three years.

44,304 housing units in Cleveland County, NC; 10,922 Cleveland, NC renter households; 43% of Cleveland, NC renters spend 30%+ of income on rent, 19% (Cleveland, NC) half or more.

Cleveland County, NC ranks #693 nationally on the opportunity index (Cleveland, NC, among all ranked counties); Cleveland, NC scores 32.4/100 and Cleveland, NC sits #33 inside North Carolina. Cleveland, NC is in the watchlist opportunity phase; Cleveland, NC's primary driver is vacancy, Cleveland, NC second driver construction; Cleveland, NC moved up 550 places. 15 short-sale listings across Cleveland, NC; 63 days on market observed in Cleveland, NC; 14.8% vacancy over 15 Cleveland, NC ZIPs.

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

Cleveland County, NC has 3 watched banks; 3 Cleveland, NC banks sit in an elevated band. Cleveland, NC footprints: Truist Bank (2 branches, stress 62) in Cleveland, NC; Fidelity Bank (1 branch, stress 56) in Cleveland, NC; Hometrust Bank (1 branch, stress 49) in Cleveland, NC.

HUD lists 7 assisted multifamily properties in Cleveland County, NC with 292 units; 285 Cleveland, NC units are assisted, 2 Cleveland, NC properties under project-based Section 8.

5,454 of the 44,304 housing units in Cleveland, NC sit vacant. Cleveland County, NC permitted 150 multifamily units in twelve months; Cleveland, NC's one-to-four unit structures added 401 units in Cleveland County, NC.