Cherokee County, AL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Cherokee County, AL distress report, 2026: 11 ZIPs scored in Cherokee, AL, Cherokee, AL average 29/100; the top Cherokee, AL ZIP is 35959 at 31/100; Cherokee, AL market phase expansion, Cherokee, AL prices +5.0% year over year.
- Cherokee, AL ranks #118 nationally (opportunity index); Cherokee, AL #5 in Alabama; Cherokee, AL index 36.8.
- Cherokee, AL: no CFPB county sample; Cherokee, AL non-metro area reading 1.6%.
- Cherokee, AL ZIP phases: 5 peak, 5 expansion, 1 contraction.
- Cherokee, AL residential listings tracked: 17 across 5 ZIPs; Cherokee, AL candidate listings 9.
- Cherokee, AL HUD assisted properties: 1 with 50 units.
- Cherokee, AL lenders on watch: 6; largest Cherokee, AL footprint Union State Bank (2 branches).
- Cherokee, AL most distressed ZIP: 35959 at 31/100.
Cherokee, AL figures: DLRadar distress index; Cherokee, AL inputs: CFPB, FHFA, HUD, FDIC; Cherokee, AL rebuilt as sources refresh.
| Rank | Cherokee, AL ZIP | Score |
|---|---|---|
| 1 | 35959 | 31/100 |
| 2 | 35960 | 31/100 |
| 3 | 35973 | 31/100 |
| 4 | 35983 | 31/100 |
| 5 | 36272 | 29/100 |
| 6 | 35984 | 28/100 |
| 7 | 30165 | 27/100 |
| 8 | 35901 | 27/100 |
| 9 | 35903 | 27/100 |
| 10 | 35961 | 27/100 |
| 11 | 35967 | 27/100 |
Most distressed Cherokee, AL ZIPs (0-100, 2026)
Mortgage delinquency around Cherokee, AL
No CFPB county sample covers Cherokee, AL; the non-metro area reading for Cherokee, AL: 1.6% ninety-plus; Cherokee, AL area thirty-to-eighty-nine 4.7% (December 2025, Cherokee, AL); Alabama overall 1.1%.
Opportunity index: Cherokee, AL
Cherokee, AL index 36.8, Cherokee, AL phase strong_buy; Cherokee, AL primary driver vacancy, Cherokee, AL second driver construction. Cherokee, AL components: property stress 26.6, foreclosure pressure 25.1, listing discounts 37.7, bank stress 60.9, insurance 0.0; Cherokee, AL pulse 42.4; Cherokee, AL capital opportunity 28.3; Cherokee, AL seven-day change -0.1%.
ZIP market phases inside Cherokee, AL
11 Cherokee, AL ZIPs carry a price-cycle phase; Cherokee, AL ZIPs by phase (Cherokee, AL), deepest drawdown first: peak, +0.7% YoY, 4.5% off peak (Cherokee, AL): 35901; contraction, -2.1% YoY, 4.4% off peak (Cherokee, AL): 30165; peak, +1.0% YoY, 4.2% off peak (Cherokee, AL): 35903; peak, +3.2% YoY, 0.4% off peak (Cherokee, AL): 35961; expansion, +7.5% YoY, 0.2% off peak (Cherokee, AL): 36272; expansion, +5.0% YoY (Cherokee, AL): 35959, 35960, 35973, 35983; peak, +3.3% YoY (Cherokee, AL): 35967; peak, +3.7% YoY (Cherokee, AL): 35984.
Residential listings by Cherokee, AL ZIP
Cherokee, AL ZIPs with the most tracked Cherokee, AL residential listings: 35960 7 listings, 5 candidates, bank pressure 65; 36272 5 listings, 2 candidates, bank pressure 61; 35959 4 listings, 2 candidates, bank pressure 61; 35983 1 listings, 0 candidates, bank pressure 61 (Cherokee, AL); 35973 0 listings, 0 candidates, bank pressure 65. Cherokee, AL totals: 17 listings; Cherokee, AL candidates 9; active ZIPs 1.
HUD assisted housing in Cherokee, AL
1 assisted properties with 50 units sit in Cherokee, AL; largest Cherokee, AL properties: Cherokee Manor Apartments (Centre) 50 units, 50 assisted.
Lenders with branches in Cherokee, AL
Cherokee, AL lenders by branch count: Union State Bank (Cherokee, AL): stress 93, 2 branches low in Cherokee, AL; First Southern State Bank (Cherokee, AL): stress 65, 2 branches low in Cherokee, AL; Farmers&Merchants Bank (Cherokee, AL): stress 72, 1 branch low in Cherokee, AL; Regions Bank (Cherokee, AL): stress 57, 1 branch low in Cherokee, AL; Southern Bank Co (Cherokee, AL): stress 52, 1 branch low in Cherokee, AL; Peoples Bank Of Alabama (Cherokee, AL): stress 52, 1 branch low in Cherokee, AL.
Vacancy and permits, Cherokee, AL
4,510 of 14,702 Cherokee, AL housing units are vacant; Cherokee, AL permits, twelve months: 0 multifamily units in Cherokee, AL, 25 one-to-four unit units.
Work Cherokee, AL at the parcel level
Every Cherokee, AL parcel carries owner and address; every Cherokee, AL parcel carries APN; Cherokee, AL distress scores sit on the Cherokee, AL live board.
Cherokee, AL figures refresh with each source.
Cherokee, AL questions
Most distressed ZIP code in Cherokee County, AL?
ZIP 35959 leads Cherokee, AL at 31/100; next in Cherokee, AL: 35960 at 31/100; the Cherokee, AL average is 29/100.
Where does Cherokee County, AL rank for investment opportunity?
Cherokee, AL is #118 among all ranked counties, #5 in Alabama; the Cherokee, AL driver is vacancy; Cherokee, AL moved down 12 places.
How many mortgages are delinquent in Cherokee County, AL?
Cherokee, AL takes the non-metro area reading of 1.6% for December 2025; no CFPB county sample covers Cherokee, AL.
Which banks lend in Cherokee County, AL?
6 watched lenders hold Cherokee, AL branches; the largest Cherokee, AL footprints are Union State Bank (2), First Southern State Bank (2), Farmers&Merchants Bank (1).
More on Cherokee, AL
Cherokee County, AL distress report: public-record figures for Cherokee, AL; not legal advice for Cherokee, AL; not tax or investment advice; verify every Cherokee, AL record before acting.