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

Harnett County, NC, North Carolina: 18 ZIP codes scored, Harnett County, NC averaging 29/100 (low, Harnett, NC), from 26 to 35. Harnett County, NC is in its peak phase (Harnett, NC confidence 18/100): Harnett, NC home prices up 1.9% (Harnett, NC) over twelve months. Harnett County, NC lender headwind: 70/100.

Highest-scoring Harnett County, NC ZIPs: 28356 (35/100), 27504 (32/100), 27540 (32/100), 27592 (32/100), 28390 (32/100), 27330 (30/100). Also scored in Harnett County, NC: 27526, 28334, 27501, 27332, 28326, 27505, 27506, 27521, 27546, 28323.

Across Harnett County, NC's scored ZIPs: median home value $267,363, household income $81,088, 12.4% vacancy, 12.5% poverty, 69% owner-occupied, median age 37.4.

Harnett County, NC insurance distress 72/100 (#572 in the US); FEMA hazard 78/100 for Harnett, NC; 6 federal disaster declarations in Harnett County, NC since 2023; 5 Harnett, NC NFIP flood claims, $19K paid; Harnett, NC construction distress 27/100.

9 banks with 18 branches lend in Harnett County, NC; Harnett, NC weighted bank stress 67/100, highest 95/100 in Harnett, NC.

Harnett County, NC unemployment 4.0%; 2,084 new housing units permitted in Harnett County, NC over twelve months, Harnett, NC up 32% from 1,584; Harnett, NC home prices +11.1% a year (Harnett, NC) over three years.

54,902 housing units in Harnett County, NC; 14,838 Harnett, NC renter households; 38% of Harnett, NC renters spend 30%+ of income on rent, 18% (Harnett, NC) half or more.

Harnett County, NC ranks #1,891 nationally on the opportunity index (Harnett, NC, among all ranked counties); Harnett, NC scores 28.1/100 and Harnett, NC sits #80 inside North Carolina. Harnett, NC is in the early_signal opportunity phase; Harnett, NC's primary driver is bank institutional, Harnett, NC second driver vacancy; Harnett, NC moved up 447 places. 26 short-sale listings across Harnett, NC; 76 days on market observed in Harnett, NC; 9.0% vacancy over 18 Harnett, NC ZIPs.

0.9% of Harnett County, NC mortgages were ninety-plus days late in December 2025; Harnett, NC's thirty-to-eighty-nine-day share was 3.1% (CFPB county sample). Harnett, NC's ninety-day rate is up 0.5 points on twelve months earlier; the Harnett, NC peak since 2008 was 4.0% in September 2009; North Carolina overall reads 0.9%.

Harnett County, NC has 6 watched banks; 6 Harnett, NC banks sit in an elevated band. Harnett, NC footprints: First Federal Bank (4 branches, stress 95) in Harnett, NC; Truist Bank (4 branches, stress 62) in Harnett, NC; First Bank (3 branches, stress 47) in Harnett, NC.

HUD lists 6 assisted multifamily properties in Harnett County, NC with 208 units; 206 Harnett, NC units are assisted, 3 Harnett, NC properties under project-based Section 8.

5,057 of the 54,902 housing units in Harnett, NC sit vacant. Harnett County, NC permitted 5 multifamily units in twelve months; Harnett, NC's one-to-four unit structures added 2,079 units in Harnett County, NC.