Graham County, North Carolina Court Filings Intelligence
Analysis of property-related court filings (foreclosure, probate, divorce, partition, guardianship) in Graham County. See methodology.
Based on public court filings, analyzed by Keystone. As of October 2026.
- Max gross cap rate 7.5% at HUD Fair Market Rent ($11,100/year, 2BR FMR × 12) on the $147,800 median estimated market value. Section-8-eligible rent ceiling; real-market rent typically exceeds FMR; excludes operating costs (taxes, insurance, maintenance, vacancy, management).
About Graham County
Graham County is a county located in the U.S. state of North Carolina. As of the 2020 census, the population was 8,030, making it the third-least populous county in North Carolina. Its county seat is Robbinsville.
Source: Wikipedia
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$147,800 median estimated property value across filings with property-value data.
3.6% North Carolina unemployment rate (BLS, as of 2026-08). Filings should be read against the local-economy backdrop.
Filing type breakdown
| Filing type | Share | |
|---|---|---|
| Divorce | 18.8% | |
| Probate | 8.2% | |
| Other | 73.0% |
Each row is a distinct case as recorded on the county docket.
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Property value distribution
| Estimated value | Share | |
|---|---|---|
| Under $75k | 25.0% | |
| $75k - $150k | 25.0% | |
| $150k - $250k | 28.1% | |
| $250k - $400k | 9.4% | |
| $400k+ | 12.5% |
Source: property records. Median $147,800; mean $200,441.
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Housing stock + distress signals
Underlying housing stock and distress indicators across all 5244 Graham County housing units, from US Census ACS 5-year data. National reference values shown for context.
| Indicator | Graham County | US average |
|---|---|---|
| Vacancy rate (incl. seasonal + for-sale) | 36.8% | 10.5% |
| Share of owner-occupied units carrying a mortgage | 33.0% | 60.8% |
| Pre-1940 housing stock | 1.4% | 12.3% |
| Single-family detached share of housing stock | 69.4% | 61.2% |
| Residents age 65 or older | 24.8% | 17.3% |
Source: US Census Bureau American Community Survey (ACS 2023 5-year). National reference values are ACS 2022 5-year US totals. Why these matter: vacancy rate is the strongest single proxy for distressed inventory; mortgage-carrying share defines the risk pool exposed to rate environment; pre-1940 stock signals deferred maintenance and renovation opportunity; senior population correlates with probate pipeline depth.
Rent benchmark (HUD Fair Market Rent)
HUD sets Fair Market Rents at the metro area level, so the same FMRs apply to every county within the metro. Graham County sits within the Graham County, NC. Used to set Section 8 voucher amounts; investors use it as a defensible rent-estimate floor for buy-to-rent underwriting.
| Unit size | Fair market rent / month |
|---|---|
| Efficiency / studio | $782 |
| 1-bedroom | $844 |
| 2-bedroom | $925 |
| 3-bedroom | $1,199 |
| 4-bedroom | $1,390 |
Source: US Department of Housing and Urban Development, Fair Market Rents (None). 40th-percentile gross rent including utilities. Why this matters: Section-8-eligible tenants are a baseline demand floor for rental inventory at these price points; FMR is the official ceiling for voucher-eligible rents.
New construction (market momentum)
Annual building permits filed in Graham County from the US Census Building Permits Survey. Trend signal on whether new housing demand is accelerating or contracting in this market.
| Indicator | Value |
|---|---|
| Total housing units permitted (2025) | 28 |
| Year-over-year change (2024 → 2025) | -9.7% |
| Single-family share of permits (2025) | 100.0% |
| Single-family units permitted | 28 |
| Multifamily units permitted (2+ units per building) | 0 |
Source: US Census Bureau Building Permits Survey, annual cumulative data. Why this matters: permits trending up signals strong demand for new inventory; permits contracting at the same time foreclosure activity rises indicates broader market softening (deals price differently). Multifamily share shows whether the market is densifying or holding to single-family stock.
Macro context: state home prices and national delinquency
Graham County filings should be read against the broader housing-market backdrop. North Carolina state home-price trend and the national mortgage-delinquency rate are the two macro signals most directly relevant to foreclosure exposure.
| Indicator | Value | Period |
|---|---|---|
| North Carolina home price index (year-over-year) | +2.4% | 2026-04-01 |
| North Carolina home price index (cumulative since 2020) | +73.2% | 2026-04-01 |
| National mortgage delinquency rate (30+ day, single-family) | 1.86% | 2026-04-01 |
Sources: Federal Housing Finance Agency state house price indices (FRED series NCSTHPI); Federal Reserve Board, Mortgage Delinquency 30+Day Rate on Single-Family Residential Mortgages (FRED series DRSFRMACBS). Updated quarterly. Free public data.
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Distress composition
Distress diversity score: 2.96 (Shannon entropy across case types; higher = more diverse distress sources). The case-type shares are in the filing type breakdown above.
Property Value Profile
| Value range | Share |
|---|---|
| Under $100K | 42.1% |
| $100K - $250K | 39.5% |
| $250K - $500K | 13.2% |
| $500K - $1M | 5.3% |
Value breakdown by case type
| Case type | Median value | Avg value |
|---|---|---|
| Divorce | $103,750 | $94,684 |
Based on public property records for properties with court filings. Values are tax-assessed amounts, not market listing prices.
Property Value Distribution
The median property value in distressed filings is $122,780, with the largest concentration (28.2%) in the Under $50K range.
| Price range | Share | Distribution |
|---|---|---|
| Under $50K | 28.2% | |
| $50K–$100K | 15.4% | |
| $100K–$150K | 15.4% | |
| $150K–$200K | 12.8% | |
| $200K–$300K | 10.3% | |
| $300K–$500K | 12.8% | |
| $500K+ | 5.1% |
Assessed property values from public property records for filings with a valuation. Values reflect tax-assessed amounts, not market price.
Methodology and data sources
- Based on public court filings, analyzed by Keystone. As of October 2026. Court records are public information.
- These statistics describe property-related court filings in Graham County. The owner-of-record match and the entity-owner screen are applied to delivered leads, not to these aggregate statistics.
- Property value figures come from property records where available.
- Individual case data, defendant names, and property addresses are not published. Reports show aggregated statistics only.
- The methodology page at /reports/methodology documents data sources, sample sizes, and known limitations in detail.
- This report is current as of October 2026 (generated 2026-10-21).
Related North Carolina guides
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Cite: Keystone Court Data, "Graham County North Carolina Court Filings Intelligence," 2026-10-21, https://keystonecourtdata.com/reports/graham-nc-court-filings-intelligence