Chambers County, AL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Chambers County, Alabama? DLRadar grades every Chambers County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 25/100. Here is the 2026 Chambers County breakdown.
- Chambers County's most distressed ZIP is 36801 at 25/100.
- 10 ZIP codes tracked in Chambers County, averaging 20/100 distress.
- Chambers County reads peak — home values up 3.2% year over year.
- Vacancy runs 15.9% across Chambers County's tracked ZIPs, with a 14.7% poverty rate.
- The typical Chambers County home is worth about $171,670 against a ~$54,753 median income.
- Lending headwind in Chambers County sits at 52/100 — a forward read on distressed supply.
Source data is DLRadar's monthly public-record index. Citation welcome, with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 36801 | 25/100 |
| 2 | 36854 | 22/100 |
| 3 | 36879 | 22/100 |
| 4 | 36852 | 21/100 |
| 5 | 36850 | 20/100 |
| 6 | 36274 | 18/100 |
| 7 | 36276 | 18/100 |
| 8 | 36855 | 18/100 |
| 9 | 36862 | 18/100 |
| 10 | 36863 | 18/100 |
Most distressed ZIP codes in Chambers County (composite distress 0-100, 2026)
What is driving Chambers County distress
The Chambers County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 20/100 ZIP average. No proprietary or modelled inputs enter the score.
Chambers County market phase and pricing
DLRadar places Chambers County in peak; prices moved up 3.2% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Chambers County
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Questions and answers
Which Chambers County ZIP scores worst for distress?
ZIP 36801 leads Chambers County at 25/100, recomputed monthly from public records.
Which phase does Chambers County sit in right now?
Phase for Chambers County: peak, tracking a 3.2% gain year over year, read off the FHFA index.
What is this Chambers County analysis built from?
Every Chambers County figure traces to a public source — FHFA House Price Index for the peak trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 10 Chambers County ZIP codes that it runs on every other U.S. county, so Chambers County's numbers are directly comparable to any other market.
How much do distress scores vary between Chambers County ZIP codes?
A single county score papers over real variation. Across the Chambers County ZIPs DLRadar ranks, scores run from 25/100 in 36801 down to 18/100 in 36863, against a Chambers County average of 20/100. With 7 points between best and worst, county-level targeting in Chambers County wastes effort.
What do Chambers County home values and vacancy say about distressed supply?
The typical Chambers County home carries about $171,670 of value against a median household income near $54,753. Vacancy across Chambers County's tracked ZIPs runs 15.9% and the poverty rate is 14.7%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Chambers County's foreclosure and lien filings and its 52/100 lending headwind.
Related
Produced by fixed formulas over public records — research, not investment, legal or financial advice. The underlying index updates monthly.