Dekalb County, AL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Dekalb County, AL distress report, 2026: 24 ZIPs scored in Dekalb, AL, Dekalb, AL average 27/100; the top Dekalb, AL ZIP is 35959 at 31/100; Dekalb, AL market phase peak, Dekalb, AL prices +3.2% year over year.
- Dekalb, AL ranks #1,192 nationally (opportunity index); Dekalb, AL #44 in Alabama; Dekalb, AL index 30.5.
- Dekalb, AL: no CFPB county sample; Dekalb, AL non-metro area reading 1.6%.
- Dekalb, AL ZIP phases: 22 peak, 2 expansion.
- Dekalb, AL residential listings tracked: 11 across 15 ZIPs; Dekalb, AL candidate listings 4.
- Dekalb, AL HUD assisted properties: 2 with 117 units.
- Dekalb, AL lenders on watch: 6; largest Dekalb, AL footprint First Southern State Bank (4 branches).
- Dekalb, AL most distressed ZIP: 35959 at 31/100.
Dekalb, AL figures: DLRadar distress index; Dekalb, AL inputs: CFPB, FHFA, HUD, FDIC; Dekalb, AL rebuilt as sources refresh.
| Rank | Dekalb, AL ZIP | Score |
|---|---|---|
| 1 | 35959 | 31/100 |
| 2 | 35983 | 31/100 |
| 3 | 35984 | 28/100 |
| 4 | 35954 | 27/100 |
| 5 | 35956 | 27/100 |
| 6 | 35961 | 27/100 |
| 7 | 35963 | 27/100 |
| 8 | 35967 | 27/100 |
| 9 | 35968 | 27/100 |
| 10 | 35971 | 27/100 |
| 11 | 35974 | 27/100 |
| 12 | 35978 | 27/100 |
Most distressed Dekalb, AL ZIPs (0-100, 2026)
Mortgage delinquency around Dekalb, AL
No CFPB county sample covers Dekalb, AL; the non-metro area reading for Dekalb, AL: 1.6% ninety-plus; Dekalb, AL area thirty-to-eighty-nine 4.7% (December 2025, Dekalb, AL); Alabama overall 1.1%.
Opportunity index: Dekalb, AL
Dekalb, AL index 30.5, Dekalb, AL phase early_signal; Dekalb, AL primary driver vacancy, Dekalb, AL second driver construction. Dekalb, AL components: property stress 21.6, foreclosure pressure 22.1, listing discounts 20.7, bank stress 57.8, insurance 0.0; Dekalb, AL pulse 36.6; Dekalb, AL capital opportunity 21.1; Dekalb, AL seven-day change +0.1%.
ZIP market phases inside Dekalb, AL
24 Dekalb, AL ZIPs carry a price-cycle phase; Dekalb, AL ZIPs by phase (Dekalb, AL), deepest drawdown first: peak, +0.6% YoY, 4.6% off peak (Dekalb, AL): 35956; peak, +0.7% YoY, 4.4% off peak (Dekalb, AL): 35954; peak, +3.2% YoY, 0.4% off peak (Dekalb, AL): 35961; peak, +3.2% YoY (Dekalb, AL): 35765, 35771, 35951, 35957, Dekalb, AL 35962, 35963, 35966, 35968, Dekalb, AL 35971, 35974, 35975; expansion, +5.0% YoY (Dekalb, AL): 35959; peak, +3.3% YoY (Dekalb, AL): 35967.
Residential listings by Dekalb, AL ZIP
Dekalb, AL ZIPs with the most tracked Dekalb, AL residential listings: 35967 5 listings, 0 candidates, bank pressure 61; 35984 2 listings, 1 candidates, bank pressure 61; 35961 1 listings, 0 candidates, bank pressure 60; 35978 1 listings, 1 candidates, bank pressure 62 (Dekalb, AL); 35986 1 listings, 1 candidates, bank pressure 59; 35989 1 listings, 1 candidates, bank pressure 59; 35962 0 listings, 0 candidates, bank pressure 60; 35963 0 listings, 0 candidates, bank pressure 59. Dekalb, AL totals: 11 listings; Dekalb, AL candidates 4; active ZIPs 1.
HUD assisted housing in Dekalb, AL
2 assisted properties with 117 units sit in Dekalb, AL; largest Dekalb, AL properties: Deerfield Apartments (Fort Payne) 64 units, 64 assisted; Spring Grove Apartments (Fort Payne) 53 units, 53 assisted.
Lenders with branches in Dekalb, AL
Dekalb, AL lenders by branch count: First Southern State Bank (Dekalb, AL): stress 65, 4 branches low in Dekalb, AL; First Stb Of Dekalb County (Dekalb, AL): stress 32, 4 branches low in Dekalb, AL; First Bank Of Alabama (Dekalb, AL): stress 71, 3 branches low in Dekalb, AL; Peoples Independent Bank (Dekalb, AL): stress 64, 3 branches low in Dekalb, AL; Liberty Bank (Dekalb, AL): stress 55, 3 branches low in Dekalb, AL; Regions Bank (Dekalb, AL): stress 57, 2 branches low in Dekalb, AL.
Vacancy and permits, Dekalb, AL
4,782 of 30,963 Dekalb, AL housing units are vacant; Dekalb, AL permits, twelve months: 0 multifamily units in Dekalb, AL, 50 one-to-four unit units.
Work Dekalb, AL at the parcel level
Every Dekalb, AL parcel carries owner and address; every Dekalb, AL parcel carries APN; Dekalb, AL distress scores sit on the Dekalb, AL live board.
Dekalb, AL figures refresh with each source.
Dekalb, AL questions
Most distressed ZIP code in Dekalb County, AL?
ZIP 35959 leads Dekalb, AL at 31/100; next in Dekalb, AL: 35983 at 31/100; the Dekalb, AL average is 27/100.
Where does Dekalb County, AL rank for investment opportunity?
Dekalb, AL is #1,192 among all ranked counties, #44 in Alabama; the Dekalb, AL driver is vacancy; Dekalb, AL moved down 411 places.
How many mortgages are delinquent in Dekalb County, AL?
Dekalb, AL takes the non-metro area reading of 1.6% for December 2025; no CFPB county sample covers Dekalb, AL.
Which banks lend in Dekalb County, AL?
6 watched lenders hold Dekalb, AL branches; the largest Dekalb, AL footprints are First Southern State Bank (4), First Stb Of Dekalb County (4), First Bank Of Alabama (3).
More on Dekalb, AL
Dekalb County, AL distress report: public-record figures for Dekalb, AL; not legal advice for Dekalb, AL; not tax or investment advice; verify every Dekalb, AL record before acting.