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

Cumberland County, NC, North Carolina: 25 ZIP codes scored, Cumberland County, NC averaging 36/100 (moderate, Cumberland, NC), from 30 to 37. Cumberland County, NC is in its peak phase (Cumberland, NC confidence 23/100): Cumberland, NC home prices up 2.3% (Cumberland, NC) over twelve months. Cumberland County, NC lender headwind: 33/100.

Highest-scoring Cumberland County, NC ZIPs: 28301 (37/100), 28303 (37/100), 28304 (37/100), 28305 (37/100), 28306 (37/100), 28307 (37/100). Also scored in Cumberland County, NC: 28308, 28310, 28311, 28312, 28314, 28331, 28342, 28344, 28348, 28371.

Across Cumberland County, NC's scored ZIPs: median home value $190,933, household income $59,008, 16.1% vacancy, 19.1% poverty, 65% owner-occupied, median age 37.9.

Cumberland County, NC insurance distress 79/100 (#386 in the US); FEMA hazard 78/100 for Cumberland, NC; 6 federal disaster declarations in Cumberland County, NC since 2023; 18 Cumberland, NC NFIP flood claims, $303K paid; Cumberland, NC construction distress 98/100.

14 banks with 45 branches lend in Cumberland County, NC; Cumberland, NC weighted bank stress 56/100, highest 78/100 in Cumberland, NC.

Cumberland County, NC unemployment 4.6% (Cumberland, NC -0.1 pts, six months); 731 new housing units permitted in Cumberland County, NC over twelve months, Cumberland, NC down 55% from 1,632; Cumberland, NC home prices +12.5% a year (Cumberland, NC) over three years.

143,798 housing units in Cumberland County, NC; 59,376 Cumberland, NC renter households; 47% of Cumberland, NC renters spend 30%+ of income on rent, 23% (Cumberland, NC) half or more.

Cumberland County, NC ranks #608 nationally on the opportunity index (Cumberland, NC, among all ranked counties); Cumberland, NC scores 32.8/100 and Cumberland, NC sits #28 inside North Carolina. Cumberland, NC is in the peak_opportunity opportunity phase; Cumberland, NC's primary driver is construction, Cumberland, NC second driver bank institutional; Cumberland, NC moved up 189 places. 58 short-sale listings across Cumberland, NC; 100 days on market observed in Cumberland, NC; 10.1% vacancy over 25 Cumberland, NC ZIPs.

1.5% of Cumberland County, NC mortgages were ninety-plus days late in December 2025; Cumberland, NC's thirty-to-eighty-nine-day share was 3.0% (CFPB county sample). Cumberland, NC's ninety-day rate is up 0.5 points on twelve months earlier; the Cumberland, NC peak since 2008 was 3.9% in February 2010; North Carolina overall reads 0.9%.

Cumberland County, NC has 6 watched banks; 6 Cumberland, NC banks sit in an elevated band. Cumberland, NC footprints: Truist Bank (9 branches, stress 62) in Cumberland, NC; First-Citizens Bank&Trust Co (7 branches, stress 71) in Cumberland, NC; Bank Of America Na (3 branches, stress 71) in Cumberland, NC.

HUD lists 33 assisted multifamily properties in Cumberland County, NC with 3,665 units; 675 Cumberland, NC units are assisted, 5 Cumberland, NC properties under project-based Section 8.

14,040 of the 143,798 housing units in Cumberland, NC sit vacant. Cumberland County, NC permitted 65 multifamily units in twelve months; Cumberland, NC's one-to-four unit structures added 666 units in Cumberland County, NC.