Chilton County, AL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Chilton County, Alabama? DLRadar grades every Chilton County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 28/100. Here is the 2026 Chilton County breakdown.
- Chilton County's most distressed ZIP is 35040 at 28/100.
- 14 ZIP codes tracked in Chilton County, averaging 22/100 distress.
- Chilton County reads peak — home values up 2.7% year over year.
- Vacancy runs 15.6% across Chilton County's tracked ZIPs, with a 14.2% poverty rate.
- The typical Chilton County home is worth about $151,843 against a ~$64,363 median income.
- Lending headwind in Chilton County sits at 83/100 — 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 | 35040 | 28/100 |
| 2 | 35115 | 27/100 |
| 3 | 36051 | 25/100 |
| 4 | 36006 | 24/100 |
| 5 | 36758 | 23/100 |
| 6 | 35045 | 21/100 |
| 7 | 35085 | 21/100 |
| 8 | 35171 | 21/100 |
| 9 | 36091 | 21/100 |
| 10 | 36750 | 21/100 |
| 11 | 36790 | 21/100 |
| 12 | 35046 | 19/100 |
Most distressed ZIP codes in Chilton County (composite distress 0-100, 2026)
What is driving Chilton County distress
The Chilton County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 22/100 ZIP average. No proprietary or modelled inputs enter the score.
Chilton County market phase and pricing
Phase for Chilton County: peak (+2.7% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Chilton County
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Questions and answers
Which Chilton County ZIP scores worst for distress?
ZIP 35040 leads Chilton County at 28/100, recomputed monthly from public records.
Which phase does Chilton County sit in right now?
Chilton County reads peak, with home prices up 2.7% year over year. Phase comes from FHFA House Price Index trajectory.
How is the Chilton County data sourced?
Each Chilton County number can be traced back to a federal or county source — FHFA, CFPB, the recorder, FEMA/NFIP and Census ACS. One deterministic model covers all 14 local ZIPs and every other county in the country.
How much do distress scores vary between Chilton County ZIP codes?
The county figure is a blend, not a description. Across the Chilton County ZIPs DLRadar ranks, scores run from 28/100 in 35040 down to 19/100 in 35046, against a Chilton County average of 22/100. With 9 points between best and worst, county-level targeting in Chilton County wastes effort.
What do Chilton County home values and vacancy say about distressed supply?
The typical Chilton County home carries about $151,843 of value against a median household income near $64,363. Vacancy across Chilton County's tracked ZIPs runs 15.6% and the poverty rate is 14.2%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Chilton County's filings and its 83/100 lending headwind.
Related
These scores come from public filings run through fixed formulas. Nothing here is investment, legal or financial advice; the index refreshes monthly.