North Carolina, October 16, 2025
Recent data shows that North Carolina’s mortgage delinquency rate continues to stay below the national average. This stability is a clear indicator of economic resilience in the post-pandemic environment, benefiting homeowners throughout the state. Analysts suggest that such a trend points to a healthy housing market in North Carolina, reinforcing investor confidence and potentially attracting new buyers. Continued monitoring of these trends will be essential to ensure ongoing stability in the housing sector.
North Carolina
North Carolina’s mortgage delinquency rate remains below the national average, reflecting economic resilience post-pandemic and signaling a healthy housing market in the state.
Current Delinquency Rates
As of the latest data, North Carolina’s mortgage delinquency rate stands at 2.3%, with 1.1% of mortgages 30–89 days delinquent and 0.8% 90 or more days delinquent. In comparison, the national averages are 2.7%, 1.1%, and 0.8%, respectively. These figures indicate that North Carolina’s mortgage performance is slightly better than the national trend.
Economic Implications
This stability suggests that homeowners in North Carolina are managing their mortgage obligations effectively, which is a positive sign for the state’s economy. A lower delinquency rate often correlates with economic resilience and can contribute to a more robust housing market.
Background Context
Mortgage delinquency rates are a key indicator of financial health in the housing sector. They represent the percentage of borrowers who have missed one or more payments on their mortgages. A lower delinquency rate typically reflects better economic conditions and financial stability among homeowners.
Conclusion
North Carolina’s mortgage delinquency rate being below the national average is a positive development, indicating economic resilience and a healthy housing market in the state.
Frequently Asked Questions (FAQ)
What is the current mortgage delinquency rate in North Carolina?
The current mortgage delinquency rate in North Carolina is 2.3%, with 1.1% of mortgages 30–89 days delinquent and 0.8% 90 or more days delinquent.
How does North Carolina’s mortgage delinquency rate compare to the national average?
North Carolina’s mortgage delinquency rate is below the national average, indicating better mortgage performance in the state.
What does a lower mortgage delinquency rate signify?
A lower mortgage delinquency rate typically reflects better economic conditions and financial stability among homeowners.
Why are mortgage delinquency rates important?
Mortgage delinquency rates are a key indicator of financial health in the housing sector, representing the percentage of borrowers who have missed one or more payments on their mortgages.
Key Features of North Carolina’s Mortgage Delinquency Rates
| Category | North Carolina | National Average |
|---|---|---|
| Overall Delinquency Rate | 2.3% | 2.7% |
| 30–89 Days Delinquent | 1.1% | 1.1% |
| 90+ Days Delinquent | 0.8% | 0.8% |
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Author: Construction NC News
NORTH CAROLINA STAFF WRITER The NORTH CAROLINA STAFF WRITER represents the experienced team at constructionncnews.com, your go-to source for actionable local news and information in North Carolina and beyond. Specializing in "news you can use," we cover essential topics like product reviews for personal and business needs, local business directories, politics, real estate trends, neighborhood insights, and state news affecting the area—with deep expertise drawn from years of dedicated reporting and strong community input, including local press releases and business updates. We deliver top reporting on high-value events such as the North Carolina Build Expo, major infrastructure projects, and advancements in construction technology showcases. Our coverage extends to key organizations like the Associated Builders and Contractors of the Carolinas and the North Carolina Home Builders Association, plus leading businesses in construction and legal services that power the local economy such as CMiC Global and Womble Bond Dickinson LLP. As part of the broader network, including constructioncanews.com, constructionnynews.com, and constructiontxnews.com, we provide comprehensive, credible insights into the dynamic construction landscape across multiple states.
