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

Scotland County, NC, North Carolina: 7 ZIP codes scored, Scotland County, NC averaging 25/100 (low, Scotland, NC), from 19 to 36. Scotland County, NC is in its peak phase (Scotland, NC confidence 18/100): Scotland, NC home prices up 1.9% (Scotland, NC) over twelve months. Scotland County, NC lender headwind: 53/100.

Highest-scoring Scotland County, NC ZIPs: 28364 (36/100), 28343 (24/100), 28351 (24/100), 28352 (24/100), 28396 (24/100), 28363 (22/100). Also scored in Scotland County, NC: 28345.

Across Scotland County, NC's scored ZIPs: median home value $104,386, household income $40,090, 13.2% vacancy, 23.5% poverty, 65% owner-occupied, median age 39.8.

Scotland County, NC insurance distress 77/100 (#452 in the US); FEMA hazard 78/100 for Scotland, NC; 6 federal disaster declarations in Scotland County, NC since 2023; 2 Scotland, NC NFIP flood claims, $114K paid; Scotland, NC construction distress 6/100.

6 banks with 6 branches lend in Scotland County, NC; Scotland, NC weighted bank stress 59/100, highest 67/100 in Scotland, NC.

Scotland County, NC unemployment 4.7% (Scotland, NC -0.6 pts, six months); 69 new housing units permitted in Scotland County, NC over twelve months, Scotland, NC up 44% from 48; Scotland, NC home prices +7.1% a year (Scotland, NC) over three years.

14,441 housing units in Scotland County, NC; 5,088 Scotland, NC renter households; 41% of Scotland, NC renters spend 30%+ of income on rent, 23% (Scotland, NC) half or more.

Scotland County, NC ranks #75 nationally on the opportunity index (Scotland, NC, among all ranked counties); Scotland, NC scores 37.7/100 and Scotland, NC sits #3 inside North Carolina. Scotland, NC is in the strong_buy opportunity phase; Scotland, NC's primary driver is vacancy, Scotland, NC second driver bank institutional; Scotland, NC moved up 353 places. 4 short-sale listings across Scotland, NC; 82 days on market observed in Scotland, NC; 14.0% vacancy over 7 Scotland, NC ZIPs.

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

Scotland County, NC has 2 watched banks; 2 Scotland, NC banks sit in an elevated band. Scotland, NC footprints: Truist Bank (1 branch, stress 62) in Scotland, NC; First Bank (1 branch, stress 47) in Scotland, NC.

HUD lists 3 assisted multifamily properties in Scotland County, NC with 146 units; 90 Scotland, NC units are assisted, 2 Scotland, NC properties under project-based Section 8.

1,861 of the 14,441 housing units in Scotland, NC sit vacant. Scotland County, NC permitted 0 multifamily units in twelve months; Scotland, NC's one-to-four unit structures added 69 units in Scotland County, NC.