Colbert County, AL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Colbert County, Alabama? DLRadar grades every Colbert County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 31/100. Here is the 2026 Colbert County breakdown.
- Colbert County's most distressed ZIP is 35616 at 31/100.
- 9 ZIP codes tracked in Colbert County, averaging 27/100 distress.
- Colbert County reads expansion — home values up 8.4% year over year.
- Vacancy runs 15.6% across Colbert County's tracked ZIPs, with a 18.3% poverty rate.
- The typical Colbert County home is worth about $149,744 against a ~$55,200 median income.
- Lending headwind in Colbert County sits at 70/100 — a forward read on distressed supply.
All numbers: DLRadar's monthly public-record distress index. Reuse is welcome with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 35616 | 31/100 |
| 2 | 35646 | 31/100 |
| 3 | 35660 | 31/100 |
| 4 | 35661 | 31/100 |
| 5 | 35674 | 31/100 |
| 6 | 35672 | 28/100 |
| 7 | 35653 | 26/100 |
| 8 | 35654 | 26/100 |
| 9 | 38852 | 6/100 |
Most distressed ZIP codes in Colbert County (composite distress 0-100, 2026)
What is driving Colbert County distress
Nothing here is estimated: Colbert County is scored from filings alone, and its ZIPs average 27/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Colbert County market phase and pricing
Colbert County currently sits in expansion after a 8.4% 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 Colbert County
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Questions about this county
What is the hardest-hit ZIP in Colbert County?
ZIP 35616 leads Colbert County at 31/100, recomputed monthly from public records.
Where is Colbert County in the housing cycle?
Colbert County is classified expansion with a 8.4% year-over-year increase, following the FHFA House Price Index.
Can the Colbert County figures be verified?
Every Colbert County figure traces to a public source — FHFA House Price Index for the expansion trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 9 Colbert County ZIP codes that it runs on every other U.S. county, so Colbert County's numbers are directly comparable to any other market.
How much do distress scores vary between Colbert County ZIP codes?
A county average hides the spread. Across the Colbert County ZIPs DLRadar ranks, scores run from 31/100 in 35616 down to 6/100 in 38852, against a Colbert County average of 27/100. A spread of 25 points means Colbert County has to be worked ZIP by ZIP.
What do Colbert County home values and vacancy say about distressed supply?
The typical Colbert County home carries about $149,744 of value against a median household income near $55,200. Vacancy across Colbert County's tracked ZIPs runs 15.6% and the poverty rate is 18.3%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Colbert County's filings and its 70/100 lending headwind.
Related
Formula-driven readings of public documents. Not investment, legal or financial advice of any kind; figures refresh from the live index each month.