Distressed Properties in North Carolina
DLRadar scores 100 North Carolina counties on market cycle, bank stress and insurance distress. 3 are in contraction or recovery; North Carolina home prices average +2.2% year over year.
North Carolina averages 60/100 bank stress and 73/100 insurance distress.
Furthest through the turn in North Carolina: Moore County (-3%), Nash County (-2.2%), Edgecombe County (-2.2%).
North Carolina residential listings tracked: 3,094 across 896 ZIPs; North Carolina candidate listings 959; 329 North Carolina ZIPs read active. Busiest North Carolina ZIPs: 28540 55 listings, 23 candidates; 27502 36 listings, 5 candidates; 28546 35 listings, 8 candidates in North Carolina; 28803 31 listings, 13 candidates; 28806 30 listings, 7 candidates; 27516 28 listings, 5 candidates.
HUD lists 728 assisted multifamily properties in North Carolina with 58,522 units, 17,432 of the North Carolina units assisted.
North Carolina ZIPs by price-cycle phase: 9,435 peak, 2,466 expansion, 1,387 contraction, 872 neutral, 429 recovery.
North Carolina ninety-day mortgage delinquency 0.9% as of December 2025; highest sampled North Carolina counties: Catawba 1.7%, Onslow 1.6%, Cumberland 1.5%.
Counties tracked
100
Markets softening
3
North Carolina: contraction / recovery
Avg home price
+2.2%
North Carolina YoY
Avg bank stress
60/100
North Carolina counties
North Carolina counties to watch
1. Moore County-3% YoY, 3% off peak, bank 56/100 (11 banks), insurance 83/100Contraction2. Nash County-2.2% YoY, 2.7% off peak, bank 60/100 (11 banks), insurance 84/100Contraction3. Edgecombe County-2.2% YoY, 2.7% off peak, bank 64/100 (6 banks), insurance 71/100Contraction4. Pitt County+3.4% YoY, bank 60/100 (12 banks), insurance 78/100Neutral5. Wake County+0.7% YoY, bank 62/100 (36 banks), insurance 79/100Peak6. Franklin County+0.7% YoY, bank 59/100 (7 banks), insurance 73/100Peak7. Johnston County+0.7% YoY, bank 66/100 (13 banks), insurance 75/100Peak8. Henderson County+0.8% YoY, bank 60/100 (12 banks), insurance 86/100Peak9. Madison County+0.8% YoY, bank 59/100 (2 banks), insurance 86/100Peak10. Buncombe County+0.8% YoY, bank 61/100 (22 banks), insurance 87/100Peak11. Anson County+1% YoY, bank 66/100 (2 banks), insurance 53/100Peak12. Union County+1% YoY, bank 62/100 (12 banks), insurance 87/100Peak13. Rowan County+1% YoY, bank 45/100 (13 banks), insurance 46/100Peak14. Cabarrus County+1% YoY, bank 60/100 (12 banks), insurance 85/100Peak15. Mecklenburg County+1% YoY, bank 63/100 (35 banks), insurance 92/100Peak16. Lincoln County+1% YoY, bank 58/100 (10 banks), insurance 71/100Peak17. Iredell County+1% YoY, bank 58/100 (19 banks), insurance 60/100Peak18. Gaston County+1% YoY, bank 57/100 (16 banks), insurance 81/100Peak19. Chatham County+1.3% YoY, bank 60/100 (10 banks), insurance 84/100Peak20. Orange County+1.3% YoY, bank 64/100 (11 banks), insurance 86/100Peak21. Person County+1.3% YoY, bank 52/100 (7 banks), insurance 71/100Peak22. Durham County+1.3% YoY, bank 64/100 (14 banks), insurance 86/100Peak23. Wayne County+1.4% YoY, 1.8% off peak, bank 61/100 (10 banks), insurance 73/100Peak24. Craven County+1.9% YoY, bank 61/100 (9 banks), insurance 77/100Peak25. Beaufort County+1.9% YoY, bank 52/100 (6 banks), insurance 76/100Peak26. Carteret County+1.9% YoY, bank 59/100 (9 banks), insurance 86/100Peak27. Cleveland County+1.9% YoY, bank 51/100 (9 banks), insurance 79/100Peak28. Dare County+1.9% YoY, bank 54/100 (9 banks), insurance 91/100Peak29. Halifax County+1.9% YoY, bank 60/100 (8 banks), insurance 40/100Peak30. Harnett County+1.9% YoY, bank 67/100 (9 banks), insurance 72/100Peak31. Haywood County+1.9% YoY, bank 61/100 (6 banks), insurance 86/100Peak32. Jones County+1.9% YoY, insurance 69/100Peak33. Lee County+1.9% YoY, bank 57/100 (10 banks), insurance 84/100Peak34. Lenoir County+1.9% YoY, bank 62/100 (7 banks), insurance 70/100Peak35. Mcdowell County+1.9% YoY, bank 62/100 (3 banks), insurance 86/100Peak36. Northampton County+1.9% YoY, bank 69/100 (1 banks), insurance 40/100Peak37. Pamlico County+1.9% YoY, bank 70/100 (2 banks), insurance 70/100Peak38. Pasquotank County+1.9% YoY, bank 58/100 (9 banks), insurance 72/100Peak39. Richmond County+1.9% YoY, bank 51/100 (5 banks), insurance 53/100Peak40. Robeson County+1.9% YoY, bank 65/100 (7 banks), insurance 82/100Peak41. Rutherford County+1.9% YoY, bank 58/100 (9 banks), insurance 86/100Peak42. Scotland County+1.9% YoY, bank 59/100 (6 banks), insurance 77/100Peak43. Stanly County+1.9% YoY, bank 63/100 (7 banks), insurance 86/100Peak44. Surry County+1.9% YoY, bank 53/100 (11 banks), insurance 80/100Peak45. Transylvania County+1.9% YoY, bank 61/100 (5 banks), insurance 92/100Peak46. Vance County+1.9% YoY, bank 57/100 (7 banks), insurance 40/100Peak47. Watauga County+1.9% YoY, bank 61/100 (14 banks), insurance 86/100Peak48. Wilkes County+1.9% YoY, bank 59/100 (9 banks), insurance 88/100Peak49. Wilson County+1.9% YoY, bank 61/100 (10 banks), insurance 83/100Peak50. Catawba County+2.3% YoY, bank 64/100 (11 banks), insurance 82/100Peak51. Caldwell County+2.3% YoY, bank 63/100 (7 banks), insurance 80/100Peak52. Burke County+2.3% YoY, bank 64/100 (7 banks), insurance 86/100Peak53. Alexander County+2.3% YoY, bank 71/100 (4 banks), insurance 40/100Peak54. Hoke County+2.3% YoY, bank 65/100 (4 banks), insurance 68/100Peak55. Cumberland County+2.3% YoY, bank 56/100 (14 banks), insurance 79/100Peak56. Caswell County+2.8% YoY, bank 48/100 (2 banks), insurance 40/100Peak57. Martin County+2.8% YoY, bank 65/100 (6 banks), insurance 74/100Peak58. Mitchell County+2.8% YoY, bank 56/100 (1 banks), insurance 84/100Peak59. Montgomery County+2.8% YoY, bank 54/100 (3 banks), insurance 40/100Peak60. Swain County+2.8% YoY, bank 66/100 (2 banks), insurance 89/100Peak61. Chowan County+2.8% YoY, bank 59/100 (4 banks), insurance 68/100Peak62. Cherokee County+2.8% YoY, bank 62/100 (5 banks), insurance 81/100Peak63. Warren County+2.8% YoY, bank 65/100 (2 banks), insurance 40/100Peak64. Washington County+2.8% YoY, bank 69/100 (1 banks), insurance 70/100Peak65. Yancey County+2.8% YoY, bank 64/100 (5 banks), insurance 86/100Peak66. Macon County+2.8% YoY, bank 60/100 (7 banks), insurance 81/100Peak67. Bladen County+2.8% YoY, bank 59/100 (5 banks), insurance 80/100Peak68. Bertie County+2.8% YoY, bank 69/100 (1 banks), insurance 70/100Peak69. Polk County+2.8% YoY, bank 56/100 (2 banks), insurance 92/100Peak70. Ashe County+2.8% YoY, bank 63/100 (5 banks), insurance 86/100Peak71. Duplin County+2.8% YoY, bank 57/100 (7 banks), insurance 70/100Peak72. Columbus County+2.8% YoY, bank 51/100 (6 banks), insurance 83/100Peak73. Graham County+2.8% YoY, bank 64/100 (2 banks), insurance 40/100Peak74. Granville County+2.8% YoY, bank 59/100 (5 banks), insurance 40/100Peak75. Greene County+2.8% YoY, bank 71/100 (1 banks), insurance 40/100Peak76. Avery County+2.8% YoY, bank 59/100 (7 banks), insurance 86/100Peak77. Alleghany County+2.8% YoY, bank 56/100 (4 banks), insurance 87/100Peak78. Sampson County+2.8% YoY, bank 65/100 (5 banks), insurance 75/100Peak79. Clay County+2.8% YoY, bank 63/100 (3 banks), insurance 74/100Peak80. Hertford County+2.8% YoY, bank 66/100 (2 banks), insurance 53/100Peak81. Hyde County+2.8% YoY, bank 55/100 (1 banks), insurance 78/100Peak82. Jackson County+2.8% YoY, bank 61/100 (5 banks), insurance 78/100Peak83. Tyrrell County+2.8% YoY, insurance 71/100Peak84. Perquimans County+2.8% YoY, bank 68/100 (3 banks), insurance 69/100Peak85. Davidson County+3.3% YoY, bank 57/100 (10 banks), insurance 81/100Peak86. Forsyth County+3.3% YoY, bank 61/100 (22 banks), insurance 84/100Peak87. Stokes County+3.3% YoY, bank 64/100 (5 banks), insurance 60/100Peak88. Yadkin County+3.3% YoY, bank 62/100 (6 banks), insurance 46/100Peak89. Davie County+3.3% YoY, bank 56/100 (6 banks), insurance 40/100Peak90. Gates County+3.4% YoY, bank 69/100 (1 banks), insurance 40/100Peak91. Currituck County+3.4% YoY, bank 37/100 (2 banks), insurance 81/100Peak92. Camden County+3.4% YoY, bank 36/100 (1 banks), insurance 71/100Peak93. Pender County+3.5% YoY, bank 62/100 (5 banks), insurance 78/100Peak94. New Hanover County+3.5% YoY, bank 57/100 (22 banks), insurance 91/100Peak95. Brunswick County+3.5% YoY, bank 58/100 (12 banks), insurance 94/100Peak96. Onslow County+3.6% YoY, bank 58/100 (10 banks), insurance 81/100Peak97. Rockingham County+4.2% YoY, bank 56/100 (9 banks), insurance 74/100Peak98. Randolph County+4.2% YoY, bank 59/100 (11 banks), insurance 73/100Peak99. Guilford County+4.2% YoY, bank 62/100 (22 banks), insurance 82/100Peak100. Alamance County+5.4% YoY, bank 58/100 (14 banks), insurance 85/100Expansion
Distressed properties in North Carolina — FAQ
How do I find North Carolina distressed properties?
Start with the 3 of 100 North Carolina counties in contraction or recovery, led by Moore County, then open each North Carolina county's ZIP scores.
Where does the North Carolina data come from?
North Carolina price cycle from FHFA; North Carolina bank stress (60/100) from FDIC call reports; North Carolina insurance distress (73/100) from FEMA and NFIP.