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

Lincoln County, NC, North Carolina: 11 ZIP codes scored, Lincoln County, NC averaging 30/100 (moderate, Lincoln, NC), from 29 to 30. Lincoln County, NC is in its peak phase (Lincoln, NC confidence 16/100): Lincoln, NC home prices up 1.0% (Lincoln, NC) over twelve months. Lincoln County, NC lender headwind: 33/100.

Highest-scoring Lincoln County, NC ZIPs: 28006 (30/100), 28021 (30/100), 28033 (30/100), 28090 (30/100), 28164 (30/100), 28673 (30/100). Also scored in Lincoln County, NC: 28037, 28080, 28092, 28168, 28650.

Across Lincoln County, NC's scored ZIPs: median home value $277,718, household income $75,732, 9.6% vacancy, 9.6% poverty, 82% owner-occupied, median age 44.7.

Lincoln County, NC insurance distress 71/100 (#607 in the US); FEMA hazard 78/100 for Lincoln, NC; 6 federal disaster declarations in Lincoln County, NC since 2023; 2 Lincoln, NC NFIP flood claims, $17K paid; Lincoln, NC construction distress 51/100.

10 banks with 19 branches lend in Lincoln County, NC; Lincoln, NC weighted bank stress 58/100, highest 71/100 in Lincoln, NC.

Lincoln County, NC unemployment 3.3% (Lincoln, NC -0.2 pts, six months); 719 new housing units permitted in Lincoln County, NC over twelve months, Lincoln, NC down 9% from 789; Lincoln, NC home prices +11.7% a year (Lincoln, NC) over three years.

39,504 housing units in Lincoln County, NC; 7,683 Lincoln, NC renter households; 38% of Lincoln, NC renters spend 30%+ of income on rent, 23% (Lincoln, NC) half or more.

Lincoln County, NC ranks #1,905 nationally on the opportunity index (Lincoln, NC, among all ranked counties); Lincoln, NC scores 28.0/100 and Lincoln, NC sits #81 inside North Carolina. Lincoln, NC is in the early_signal opportunity phase; Lincoln, NC's primary driver is bank institutional, Lincoln, NC second driver construction; Lincoln, NC moved up 513 places. 14 short-sale listings across Lincoln, NC; 79 days on market observed in Lincoln, NC; 8.1% vacancy over 11 Lincoln, NC ZIPs.

No CFPB county sample covers Lincoln County, NC. The metro area reading for Lincoln, NC (Charlotte-Concord-Gastonia, NC-SC): 0.9% ninety-plus days late; Lincoln, NC's thirty-to-eighty-nine share is 2.3% (Lincoln, NC, December 2025 data); North Carolina overall 0.9%.

Lincoln County, NC has 6 watched banks; 6 Lincoln, NC banks sit in an elevated band. Lincoln, NC footprints: First Fsb Of Lincolnton (4 branches, stress 55) in Lincoln, NC; Bank Of America Na (2 branches, stress 71) in Lincoln, NC; First-Citizens Bank&Trust Co (2 branches, stress 71) in Lincoln, NC.

HUD lists 5 assisted multifamily properties in Lincoln County, NC with 198 units; 52 Lincoln, NC units are assisted, 2 Lincoln, NC properties under project-based Section 8.

2,693 of the 39,504 housing units in Lincoln, NC sit vacant. Lincoln County, NC permitted 0 multifamily units in twelve months; Lincoln, NC's one-to-four unit structures added 719 units in Lincoln County, NC.