Baldwin County, AL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Baldwin County, AL distress report, 2026: 24 ZIPs scored in Baldwin, AL, Baldwin, AL average 36/100; the top Baldwin, AL ZIP is 36507 at 36/100; Baldwin, AL market phase expansion, Baldwin, AL prices +6.3% year over year.
- Baldwin, AL ranks #320 nationally (opportunity index); Baldwin, AL #11 in Alabama; Baldwin, AL index 34.5.
- Baldwin, AL ninety-day mortgage delinquency 0.8% in December 2025; Baldwin, AL twelve-month change +0.2%.
- Baldwin, AL ZIP phases: 24 expansion.
- Baldwin, AL residential listings tracked: 272 across 23 ZIPs; Baldwin, AL candidate listings 59.
- Baldwin, AL HUD assisted properties: 17 with 1,607 units.
- Baldwin, AL lenders on watch: 8; largest Baldwin, AL footprint Regions Bank (9 branches).
- Baldwin, AL most distressed ZIP: 36507 at 36/100.
Baldwin, AL figures: DLRadar distress index; Baldwin, AL inputs: CFPB, FHFA, HUD, FDIC; Baldwin, AL rebuilt as sources refresh.
| Rank | Baldwin, AL ZIP | Score |
|---|---|---|
| 1 | 36507 | 36/100 |
| 2 | 36511 | 36/100 |
| 3 | 36526 | 36/100 |
| 4 | 36527 | 36/100 |
| 5 | 36530 | 36/100 |
| 6 | 36532 | 36/100 |
| 7 | 36535 | 36/100 |
| 8 | 36542 | 36/100 |
| 9 | 36547 | 36/100 |
| 10 | 36549 | 36/100 |
| 11 | 36550 | 36/100 |
| 12 | 36551 | 36/100 |
Most distressed Baldwin, AL ZIPs (0-100, 2026)
Mortgage delinquency in Baldwin, AL
0.8% of Baldwin, AL mortgages were ninety-plus days late (Baldwin, AL, December 2025); Baldwin, AL thirty-to-eighty-nine days late: 2.4%; Baldwin, AL twelve-month change +0.2%; Baldwin, AL peak since 2008: 3.9% (May 2010); Alabama overall 1.1%. Baldwin, AL ninety-day series: Dec 24 0.6, Jan 25 1.0, Feb 25 0.9 (Baldwin, AL), Mar 25 0.6, Apr 25 0.5, May 25 0.4 (Baldwin, AL), Jun 25 0.4, Jul 25 0.5, Aug 25 0.7 (Baldwin, AL), Sep 25 0.7, Oct 25 0.5, Nov 25 0.7 (Baldwin, AL), Dec 25 0.8.
Opportunity index: Baldwin, AL
Baldwin, AL index 34.5, Baldwin, AL phase peak_opportunity; Baldwin, AL primary driver vacancy, Baldwin, AL second driver bank institutional. Baldwin, AL components: property stress 29.9, foreclosure pressure 28.5, listing discounts 36.8, bank stress 55.9, insurance 0.0; Baldwin, AL pulse 37.7; Baldwin, AL capital opportunity 29.7; Baldwin, AL seven-day change +0.1%.
ZIP market phases inside Baldwin, AL
24 Baldwin, AL ZIPs carry a price-cycle phase; Baldwin, AL ZIPs by phase (Baldwin, AL), deepest drawdown first: expansion, +5.2% YoY (Baldwin, AL): 36502; expansion, +6.3% YoY (Baldwin, AL): 36507, 36511, 36526, 36527, Baldwin, AL 36530, 36532, 36535, 36542, Baldwin, AL 36547, 36549, 36550, 36551, Baldwin, AL 36555, 36559, 36561.
Residential listings by Baldwin, AL ZIP
Baldwin, AL ZIPs with the most tracked Baldwin, AL residential listings: 36542 97 listings, 18 candidates, bank pressure 61; 36532 85 listings, 13 candidates, bank pressure 61; 36526 13 listings, 7 candidates, bank pressure 61; 36535 13 listings, 1 candidates, bank pressure 61 (Baldwin, AL); 36561 10 listings, 0 candidates, bank pressure 61; 36567 10 listings, 3 candidates, bank pressure 61; 36507 7 listings, 3 candidates, bank pressure 61; 36530 6 listings, 3 candidates, bank pressure 61. Baldwin, AL totals: 272 listings; Baldwin, AL candidates 59; active ZIPs 6.
HUD assisted housing in Baldwin, AL
17 assisted properties with 1,607 units sit in Baldwin, AL; largest Baldwin, AL properties: Ashley Gates (Daphne) 248 units; Colonnade At Eastern Shore (Daphne) 240 units; Arbor Gates (Fairhope) 184 units in Baldwin, AL; Belforest Apartments (Daphne) 168 units; Arbors By The Bay (Daphne) 150 units; Park At Whispering Pines (Daphne) 143 units.
Lenders with branches in Baldwin, AL
Baldwin, AL lenders by branch count: Regions Bank (Baldwin, AL): stress 57, 9 branches low in Baldwin, AL; United Bank (Baldwin, AL): stress 47, 9 branches low in Baldwin, AL; Citizens Bank Inc (Baldwin, AL): stress 69, 3 branches low in Baldwin, AL; Bryant Bank (Baldwin, AL): stress 61, 3 branches low in Baldwin, AL; First Us Bank (Baldwin, AL): stress 77, 1 branch low in Baldwin, AL; First Cahawba Bank (Baldwin, AL): stress 71, 1 branch low in Baldwin, AL; Citizens Bank (Baldwin, AL): stress 69, 1 branch low in Baldwin, AL; Amerifirst Bank (Baldwin, AL): stress 68, 1 branch low in Baldwin, AL.
Vacancy and permits, Baldwin, AL
33,684 of 132,258 Baldwin, AL housing units are vacant; Baldwin, AL permits, twelve months: 203 multifamily units in Baldwin, AL, 3,152 one-to-four unit units.
Work Baldwin, AL at the parcel level
Every Baldwin, AL parcel carries owner and address; every Baldwin, AL parcel carries APN; Baldwin, AL distress scores sit on the Baldwin, AL live board.
Baldwin, AL figures refresh with each source.
Baldwin, AL questions
Most distressed ZIP code in Baldwin County, AL?
ZIP 36507 leads Baldwin, AL at 36/100; next in Baldwin, AL: 36511 at 36/100; the Baldwin, AL average is 36/100.
Where does Baldwin County, AL rank for investment opportunity?
Baldwin, AL is #320 among all ranked counties, #11 in Alabama; the Baldwin, AL driver is vacancy; Baldwin, AL moved up 304 places.
How many mortgages are delinquent in Baldwin County, AL?
0.8% of Baldwin, AL mortgages were ninety-plus days late in December 2025; the Baldwin, AL peak since 2008 was 3.9%.
Which banks lend in Baldwin County, AL?
8 watched lenders hold Baldwin, AL branches; the largest Baldwin, AL footprints are Regions Bank (9), United Bank (9), Citizens Bank Inc (3).
More on Baldwin, AL
Baldwin County, AL distress report: public-record figures for Baldwin, AL; not legal advice for Baldwin, AL; not tax or investment advice; verify every Baldwin, AL record before acting.