Colbert County, AL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Colbert County, AL distress report, 2026: 9 ZIPs scored in Colbert, AL, Colbert, AL average 27/100; the top Colbert, AL ZIP is 35616 at 31/100; Colbert, AL market phase expansion, Colbert, AL prices +8.4% year over year.
- Colbert, AL ranks #768 nationally (opportunity index); Colbert, AL #30 in Alabama; Colbert, AL index 32.1.
- Colbert, AL: no CFPB county sample; Colbert, AL non-metro area reading 1.6%.
- Colbert, AL ZIP phases: 5 expansion, 3 peak, 1 neutral.
- Colbert, AL residential listings tracked: 11 across 5 ZIPs; Colbert, AL candidate listings 4.
- Colbert, AL HUD assisted properties: 3 with 179 units.
- Colbert, AL lenders on watch: 5; largest Colbert, AL footprint Bank Independent (8 branches).
- Colbert, AL most distressed ZIP: 35616 at 31/100.
Colbert, AL figures: DLRadar distress index; Colbert, AL inputs: CFPB, FHFA, HUD, FDIC; Colbert, AL rebuilt as sources refresh.
| Rank | Colbert, AL ZIP | Score |
|---|---|---|
| 1 | 35616 | 31/100 |
| 2 | 35646 | 31/100 |
| 3 | 35660 | 31/100 |
| 4 | 35661 | 31/100 |
| 5 | 35674 | 31/100 |
| 6 | 35672 | 29/100 |
| 7 | 35654 | 27/100 |
| 8 | 35653 | 26/100 |
| 9 | 38852 | 6/100 |
Most distressed Colbert, AL ZIPs (0-100, 2026)
Mortgage delinquency around Colbert, AL
No CFPB county sample covers Colbert, AL; the non-metro area reading for Colbert, AL: 1.6% ninety-plus; Colbert, AL area thirty-to-eighty-nine 4.7% (December 2025, Colbert, AL); Alabama overall 1.1%.
Opportunity index: Colbert, AL
Colbert, AL index 32.1, Colbert, AL phase early_signal; Colbert, AL primary driver bank institutional, Colbert, AL second driver vacancy. Colbert, AL components: property stress 27.5, foreclosure pressure 20.6, listing discounts 20.9, bank stress 69.9, insurance 0.0; Colbert, AL pulse 40.2; Colbert, AL capital opportunity 19.9.
ZIP market phases inside Colbert, AL
9 Colbert, AL ZIPs carry a price-cycle phase; Colbert, AL ZIPs by phase (Colbert, AL), deepest drawdown first: expansion, +8.4% YoY (Colbert, AL): 35616, 35646, 35660, 35661, Colbert, AL 35674; neutral, +4.3% YoY (Colbert, AL): 35653; peak, +3.5% YoY (Colbert, AL): 35654; peak, +1.7% YoY (Colbert, AL): 35672; peak, +3.8% YoY (Colbert, AL): 38852.
Residential listings by Colbert, AL ZIP
Colbert, AL ZIPs with the most tracked Colbert, AL residential listings: 35674 6 listings, 4 candidates, bank pressure 69; 35616 2 listings, 0 candidates, bank pressure 72; 35661 2 listings, 0 candidates, bank pressure 72; 35646 1 listings, 0 candidates, bank pressure 72 (Colbert, AL); 35660 0 listings, 0 candidates, bank pressure 72. Colbert, AL totals: 11 listings; Colbert, AL candidates 4; active ZIPs 3.
HUD assisted housing in Colbert, AL
3 assisted properties with 179 units sit in Colbert, AL; largest Colbert, AL properties: Keller Court Apartments (Tuscumbia) 105 units, 104 assisted; Avalon Park Apartments (Muscle Shoals) 60 units, 60 assisted; Oak Terrace (Tuscumbia) 14 units, 14 assisted in Colbert, AL.
Lenders with branches in Colbert, AL
Colbert, AL lenders by branch count: Bank Independent (Colbert, AL): stress 77, 8 branches low in Colbert, AL; First Metro Bank (Colbert, AL): stress 54, 3 branches low in Colbert, AL; Cb&S Bank Inc (Colbert, AL): stress 87, 2 branches low in Colbert, AL; First Southern Bank (Colbert, AL): stress 94, 1 branch low in Colbert, AL; Regions Bank (Colbert, AL): stress 57, 1 branch low in Colbert, AL.
Vacancy and permits, Colbert, AL
3,739 of 28,040 Colbert, AL housing units are vacant; Colbert, AL permits, twelve months: 7 multifamily units in Colbert, AL, 74 one-to-four unit units.
Work Colbert, AL at the parcel level
Every Colbert, AL parcel carries owner and address; every Colbert, AL parcel carries APN; Colbert, AL distress scores sit on the Colbert, AL live board.
Colbert, AL figures refresh with each source.
Colbert, AL questions
Most distressed ZIP code in Colbert County, AL?
ZIP 35616 leads Colbert, AL at 31/100; next in Colbert, AL: 35646 at 31/100; the Colbert, AL average is 27/100.
Where does Colbert County, AL rank for investment opportunity?
Colbert, AL is #768 among all ranked counties, #30 in Alabama; the Colbert, AL driver is bank institutional; Colbert, AL moved down 541 places.
How many mortgages are delinquent in Colbert County, AL?
Colbert, AL takes the non-metro area reading of 1.6% for December 2025; no CFPB county sample covers Colbert, AL.
Which banks lend in Colbert County, AL?
5 watched lenders hold Colbert, AL branches; the largest Colbert, AL footprints are Bank Independent (8), First Metro Bank (3), Cb&S Bank Inc (2).
More on Colbert, AL
Colbert County, AL distress report: public-record figures for Colbert, AL; not legal advice for Colbert, AL; not tax or investment advice; verify every Colbert, AL record before acting.