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

Mcdowell County, NC, North Carolina: 9 ZIP codes scored, Mcdowell County, NC averaging 28/100 (low, Mcdowell, NC), from 21 to 31. Mcdowell County, NC is in its peak phase (Mcdowell, NC confidence 18/100): Mcdowell, NC home prices up 1.9% (Mcdowell, NC) over twelve months. Mcdowell County, NC lender headwind: 51/100.

Highest-scoring Mcdowell County, NC ZIPs: 28167 (31/100), 28752 (31/100), 28762 (31/100), 28711 (29/100), 28749 (29/100), 28761 (29/100). Also scored in Mcdowell County, NC: 28655, 28657, 28777.

Across Mcdowell County, NC's scored ZIPs: median home value $225,563, household income $56,784, 24.3% vacancy, 12.7% poverty, 81% owner-occupied, median age 49.7.

Mcdowell County, NC insurance distress 86/100 (#206 in the US); FEMA hazard 78/100 for Mcdowell, NC; 6 federal disaster declarations in Mcdowell County, NC since 2023; 55 Mcdowell, NC NFIP flood claims, $7.7M paid; Mcdowell, NC construction distress 51/100.

3 banks with 3 branches lend in Mcdowell County, NC; Mcdowell, NC weighted bank stress 62/100, highest 71/100 in Mcdowell, NC.

Mcdowell County, NC unemployment 3.7% (Mcdowell, NC -0.2 pts, six months); 158 new housing units permitted in Mcdowell County, NC over twelve months, Mcdowell, NC down 10% from 175; Mcdowell, NC home prices +14.4% a year (Mcdowell, NC) over three years.

21,575 housing units in Mcdowell County, NC; 4,788 Mcdowell, NC renter households; 29% of Mcdowell, NC renters spend 30%+ of income on rent, 13% (Mcdowell, NC) half or more.

Mcdowell County, NC ranks #643 nationally on the opportunity index (Mcdowell, NC, among all ranked counties); Mcdowell, NC scores 32.7/100 and Mcdowell, NC sits #29 inside North Carolina. Mcdowell, NC is in the peak_opportunity opportunity phase; Mcdowell, NC's primary driver is vacancy, Mcdowell, NC second driver construction; Mcdowell, NC moved up 380 places. 9 short-sale listings across Mcdowell, NC; 116 days on market observed in Mcdowell, NC; 14.7% vacancy over 9 Mcdowell, NC ZIPs.

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

Mcdowell County, NC has 2 watched banks; 2 Mcdowell, NC banks sit in an elevated band. Mcdowell, NC footprints: First-Citizens Bank&Trust Co (1 branch, stress 71) in Mcdowell, NC; First Bank (1 branch, stress 47) in Mcdowell, NC.

HUD lists 2 assisted multifamily properties in Mcdowell County, NC with 90 units; 90 Mcdowell, NC units are assisted, 2 Mcdowell, NC properties under project-based Section 8.

2,937 of the 21,575 housing units in Mcdowell, NC sit vacant. Mcdowell County, NC permitted 0 multifamily units in twelve months; Mcdowell, NC's one-to-four unit structures added 158 units in Mcdowell County, NC.