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

Swain County, NC, North Carolina: 5 ZIP codes scored, Swain County, NC averaging 22/100 (low, Swain, NC), from 13 to 28. Swain County, NC is in its peak phase (Swain, NC confidence 22/100): Swain, NC home prices up 2.8% (Swain, NC) over twelve months. Swain County, NC lender headwind: 57/100.

Highest-scoring Swain County, NC ZIPs: 28789 (28/100), 28713 (27/100), 28719 (27/100), 28702 (14/100), 28771 (13/100).

Across Swain County, NC's scored ZIPs: median home value $226,600, household income $50,885, 34.7% vacancy, 16.1% poverty, 74% owner-occupied, median age 41.3.

Swain County, NC insurance distress 89/100 (#129 in the US); FEMA hazard 93/100 for Swain, NC; 10 federal disaster declarations in Swain County, NC since 2023; 8 Swain, NC NFIP flood claims, $350K paid; Swain, NC construction distress 47/100.

2 banks with 3 branches lend in Swain County, NC; Swain, NC weighted bank stress 66/100, highest 71/100 in Swain, NC.

Swain County, NC unemployment 3.0% (Swain, NC -1.1 pts, six months); 82 new housing units permitted in Swain County, NC over twelve months, Swain, NC up 0% from 82; Swain, NC home prices +12.4% a year (Swain, NC) over three years.

8,629 housing units in Swain County, NC; 1,561 Swain, NC renter households; 32% of Swain, NC renters spend 30%+ of income on rent, 19% (Swain, NC) half or more.

Swain County, NC ranks #450 nationally on the opportunity index (Swain, NC, among all ranked counties); Swain, NC scores 33.7/100 and Swain, NC sits #18 inside North Carolina. Swain, NC is in the overheated opportunity phase; Swain, NC's primary driver is vacancy, Swain, NC second driver bank institutional; Swain, NC moved down 323 places. 6 short-sale listings across Swain, NC; 50 days on market observed in Swain, NC; 27.5% vacancy over 5 Swain, NC ZIPs.

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

Swain County, NC has 1 watched bank; 1 Swain, NC bank sits in an elevated band. Swain, NC footprints: First-Citizens Bank&Trust Co (2 branches, stress 71) in Swain, NC.

2,616 of the 8,629 housing units in Swain, NC sit vacant. Swain County, NC permitted 3 multifamily units in twelve months; Swain, NC's one-to-four unit structures added 79 units in Swain County, NC.