Covington County, AL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Covington County, AL distress report, 2026: 13 ZIPs scored in Covington, AL, Covington, AL average 23/100; the top Covington, AL ZIP is 36453 at 26/100; Covington, AL market phase expansion, Covington, AL prices +5.0% year over year.
- Covington, AL ranks #535 nationally (opportunity index); Covington, AL #23 in Alabama; Covington, AL index 33.2.
- Covington, AL: no CFPB county sample; Covington, AL non-metro area reading 1.6%.
- Covington, AL ZIP phases: 10 expansion, 1 peak, 1 neutral, 1 contraction.
- Covington, AL residential listings tracked: 18 across 10 ZIPs; Covington, AL candidate listings 9.
- Covington, AL HUD assisted properties: 3 with 102 units.
- Covington, AL lenders on watch: 4; largest Covington, AL footprint Southern Independent Bank (3 branches).
- Covington, AL most distressed ZIP: 36453 at 26/100.
Covington, AL figures: DLRadar distress index; Covington, AL inputs: CFPB, FHFA, HUD, FDIC; Covington, AL rebuilt as sources refresh.
| Rank | Covington, AL ZIP | Score |
|---|---|---|
| 1 | 36453 | 26/100 |
| 2 | 36483 | 26/100 |
| 3 | 36420 | 24/100 |
| 4 | 36477 | 24/100 |
| 5 | 36467 | 23/100 |
| 6 | 36038 | 22/100 |
| 7 | 36442 | 22/100 |
| 8 | 36455 | 22/100 |
| 9 | 36456 | 22/100 |
| 10 | 36476 | 22/100 |
| 11 | 36421 | 21/100 |
| 12 | 36474 | 21/100 |
Most distressed Covington, AL ZIPs (0-100, 2026)
Mortgage delinquency around Covington, AL
No CFPB county sample covers Covington, AL; the non-metro area reading for Covington, AL: 1.6% ninety-plus; Covington, AL area thirty-to-eighty-nine 4.7% (December 2025, Covington, AL); Alabama overall 1.1%.
Opportunity index: Covington, AL
Covington, AL index 33.2, Covington, AL phase peak_opportunity; Covington, AL primary driver vacancy, Covington, AL second driver bank institutional. Covington, AL components: property stress 23.7, foreclosure pressure 23.5, listing discounts 39.6, bank stress 52.1, insurance 0.0; Covington, AL pulse 35.2; Covington, AL capital opportunity 30.2; Covington, AL seven-day change -0.1%.
ZIP market phases inside Covington, AL
13 Covington, AL ZIPs carry a price-cycle phase; Covington, AL ZIPs by phase (Covington, AL), deepest drawdown first: contraction, -0.7% YoY, 1.8% off peak (Covington, AL): 36477; peak, +1.6% YoY, 0.8% off peak (Covington, AL): 36453; expansion, +5.0% YoY, 0.0% off peak (Covington, AL): 36442; expansion, +5.0% YoY (Covington, AL): 36028, 36038, 36420, 36421, Covington, AL 36455, 36456, 36474, 36476, Covington, AL 36483; neutral, +4.9% YoY (Covington, AL): 36467.
Residential listings by Covington, AL ZIP
Covington, AL ZIPs with the most tracked Covington, AL residential listings: 36467 8 listings, 5 candidates, bank pressure 61; 36421 4 listings, 0 candidates, bank pressure 61; 36420 3 listings, 3 candidates, bank pressure 60; 36442 2 listings, 1 candidates, bank pressure 59 (Covington, AL); 36474 1 listings, 0 candidates, bank pressure 59; 36028 0 listings, 0 candidates, bank pressure 57; 36038 0 listings, 0 candidates, bank pressure 60; 36455 0 listings, 0 candidates, bank pressure 60. Covington, AL totals: 18 listings; Covington, AL candidates 9; active ZIPs 2.
HUD assisted housing in Covington, AL
3 assisted properties with 102 units sit in Covington, AL; largest Covington, AL properties: Southern Oaks/Hilltop Terrace (Florala) 45 units, 44 assisted; Oak Hill Apartments (Opp) 37 units, 36 assisted; Andalusia/Enterprise Group Home (Andalusia) 20 units, 18 assisted in Covington, AL.
Lenders with branches in Covington, AL
Covington, AL lenders by branch count: Southern Independent Bank (Covington, AL): stress 63, 3 branches low in Covington, AL; Regions Bank (Covington, AL): stress 57, 2 branches low in Covington, AL; Ccb Community Bank (Covington, AL): stress 45, 2 branches low in Covington, AL; Local Bank (Covington, AL): stress 71, 1 branch low in Covington, AL.
Vacancy and permits, Covington, AL
4,072 of 18,714 Covington, AL housing units are vacant; Covington, AL permits, twelve months: 0 multifamily units in Covington, AL, 13 one-to-four unit units.
Work Covington, AL at the parcel level
Every Covington, AL parcel carries owner and address; every Covington, AL parcel carries APN; Covington, AL distress scores sit on the Covington, AL live board.
Covington, AL figures refresh with each source.
Covington, AL questions
Most distressed ZIP code in Covington County, AL?
ZIP 36453 leads Covington, AL at 26/100; next in Covington, AL: 36483 at 26/100; the Covington, AL average is 23/100.
Where does Covington County, AL rank for investment opportunity?
Covington, AL is #535 among all ranked counties, #23 in Alabama; the Covington, AL driver is vacancy; Covington, AL moved up 547 places.
How many mortgages are delinquent in Covington County, AL?
Covington, AL takes the non-metro area reading of 1.6% for December 2025; no CFPB county sample covers Covington, AL.
Which banks lend in Covington County, AL?
4 watched lenders hold Covington, AL branches; the largest Covington, AL footprints are Southern Independent Bank (3), Regions Bank (2), Ccb Community Bank (2).
More on Covington, AL
Covington County, AL distress report: public-record figures for Covington, AL; not legal advice for Covington, AL; not tax or investment advice; verify every Covington, AL record before acting.