Cherokee County, AL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Cherokee County, Alabama? DLRadar grades every Cherokee County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 30/100. Here is the 2026 Cherokee County breakdown.
- Cherokee County's most distressed ZIP is 35959 at 30/100.
- 11 ZIP codes tracked in Cherokee County, averaging 28/100 distress.
- Cherokee County reads expansion — home values up 5.0% year over year.
- Vacancy runs 24.7% across Cherokee County's tracked ZIPs, with a 16.9% poverty rate.
- The typical Cherokee County home is worth about $160,500 against a ~$54,094 median income.
- Lending headwind in Cherokee County sits at 69/100 — a forward read on distressed supply.
Numbers from the DLRadar public-record distress index, refreshed each month. Quote them freely with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 35959 | 30/100 |
| 2 | 35960 | 30/100 |
| 3 | 35973 | 30/100 |
| 4 | 35983 | 30/100 |
| 5 | 36272 | 29/100 |
| 6 | 35984 | 28/100 |
| 7 | 35961 | 27/100 |
| 8 | 35967 | 27/100 |
| 9 | 30165 | 26/100 |
| 10 | 35901 | 25/100 |
| 11 | 35903 | 25/100 |
Most distressed ZIP codes in Cherokee County (composite distress 0-100, 2026)
What is driving Cherokee County distress
The Cherokee County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 28/100 ZIP average. No proprietary or modelled inputs enter the score.
Cherokee County market phase and pricing
Cherokee County currently sits in expansion after a 5.0% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
See the distressed properties behind the data in Cherokee County
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Frequently asked questions
What is the hardest-hit ZIP in Cherokee County?
ZIP 35959 leads Cherokee County at 30/100, recomputed monthly from public records.
What stage of the price cycle is Cherokee County at?
Phase for Cherokee County: expansion, tracking a 5.0% gain year over year, read off the FHFA index.
Can the Cherokee County figures be verified?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 11 Cherokee County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Cherokee County ZIP codes?
A county average hides the spread. Across the Cherokee County ZIPs DLRadar ranks, scores run from 30/100 in 35959 down to 25/100 in 35903, against a Cherokee County average of 28/100. Those 5 points separate the ZIPs worth working in Cherokee County from the rest.
What do Cherokee County home values and vacancy say about distressed supply?
The typical Cherokee County home carries about $160,500 of value against a median household income near $54,094. Vacancy across Cherokee County's tracked ZIPs runs 24.7% and the poverty rate is 16.9%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Cherokee County's foreclosure and lien filings and its 69/100 lending headwind.
Related
Scores are computed, not advised: public records, fixed formulas, monthly refresh. Not investment, legal or financial advice.