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

Union County, NC, North Carolina: 12 ZIP codes scored, Union County, NC averaging 34/100 (moderate, Union, NC), from 21 to 41. Union County, NC is in its peak phase (Union, NC confidence 16/100): Union, NC home prices up 1.0% (Union, NC) over twelve months. Union County, NC lender headwind: 44/100.

Highest-scoring Union County, NC ZIPs: 28105 (41/100), 28227 (41/100), 28107 (35/100), 28079 (33/100), 28103 (33/100), 28104 (33/100). Also scored in Union County, NC: 28108, 28110, 28112, 28173, 28174, 28133.

Across Union County, NC's scored ZIPs: median home value $364,218, household income $100,579, 10.3% vacancy, 7.7% poverty, 79% owner-occupied, median age 39.0.

Union County, NC insurance distress 87/100 (#161 in the US); FEMA hazard 90/100 for Union, NC; 8 federal disaster declarations in Union County, NC since 2023; 7 Union, NC NFIP flood claims, $360K paid; Union, NC construction distress 42/100.

12 banks with 33 branches lend in Union County, NC; Union, NC weighted bank stress 62/100, highest 71/100 in Union, NC.

Union County, NC unemployment 3.4%; 2,601 new housing units permitted in Union County, NC over twelve months, Union, NC up 9% from 2,384; Union, NC home prices +12.1% a year (Union, NC) over three years.

88,851 housing units in Union County, NC; 14,928 Union, NC renter households; 39% of Union, NC renters spend 30%+ of income on rent, 19% (Union, NC) half or more.

Union County, NC ranks #1,971 nationally on the opportunity index (Union, NC, among all ranked counties); Union, NC scores 27.8/100 and Union, NC sits #83 inside North Carolina. Union, NC is in the weak opportunity phase; Union, NC's primary driver is bank institutional, Union, NC second driver construction; Union, NC moved up 404 places. 23 short-sale listings across Union, NC; 68 days on market observed in Union, NC; 5.1% vacancy over 12 Union, NC ZIPs.

0.8% of Union County, NC mortgages were ninety-plus days late in December 2025; Union, NC's thirty-to-eighty-nine-day share was 2.1% (CFPB county sample). Union, NC's ninety-day rate is up 0.4 points on twelve months earlier; the Union, NC peak since 2008 was 5.0% in December 2009; North Carolina overall reads 0.9%.

Union County, NC has 4 watched banks; 4 Union, NC banks sit in an elevated band. Union, NC footprints: Truist Bank (7 branches, stress 62) in Union, NC; First-Citizens Bank&Trust Co (4 branches, stress 71) in Union, NC; Bank Of America Na (3 branches, stress 71) in Union, NC.

HUD lists 4 assisted multifamily properties in Union County, NC with 137 units; 137 Union, NC units are assisted, 3 Union, NC properties under project-based Section 8.

4,614 of the 88,851 housing units in Union, NC sit vacant. Union County, NC permitted 347 multifamily units in twelve months; Union, NC's one-to-four unit structures added 2,254 units in Union County, NC.