Elmore County, AL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Elmore County, Alabama? DLRadar grades every Elmore County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 29/100. Here is the 2026 Elmore County breakdown.
- Elmore County's most distressed ZIP is 36054 at 29/100.
- 13 ZIP codes tracked in Elmore County, averaging 26/100 distress.
- Elmore County reads expansion — home values up 5.4% year over year, 1.4% off peak.
- Vacancy runs 13.9% across Elmore County's tracked ZIPs, with a 13.1% poverty rate.
- The typical Elmore County home is worth about $206,723 against a ~$73,357 median income.
- Lending headwind in Elmore County sits at 47/100 — a forward read on distressed supply.
Source: the DLRadar property-distress index, rebuilt monthly from public records. Cite it freely with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 36054 | 29/100 |
| 2 | 36020 | 28/100 |
| 3 | 36024 | 28/100 |
| 4 | 36025 | 28/100 |
| 5 | 36092 | 28/100 |
| 6 | 36093 | 28/100 |
| 7 | 36022 | 27/100 |
| 8 | 36080 | 27/100 |
| 9 | 36066 | 26/100 |
| 10 | 36078 | 26/100 |
| 11 | 36051 | 25/100 |
| 12 | 35010 | 20/100 |
Most distressed ZIP codes in Elmore County (composite distress 0-100, 2026)
What is driving Elmore County distress
DLRadar builds Elmore County's distress picture only from records anyone can pull; its ZIPs average 26/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Elmore County market phase and pricing
The cycle in Elmore County is expansion, with values up 5.4% year over year and 1.4% below peak. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Elmore County
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What people ask
Where is distress highest inside Elmore County, AL?
ZIP 36054 leads Elmore County at 29/100, recomputed monthly from public records.
Is Elmore County expanding or contracting?
Phase for Elmore County: expansion, tracking a 5.4% gain year over year, read off the FHFA index.
How is the Elmore County data sourced?
Elmore County draws on FHFA (expansion trajectory), CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS — every one a public source. The scoring model does not change between counties, so these 13 ZIPs are comparable to anywhere else.
How much do distress scores vary between Elmore County ZIP codes?
One county number flattens a wide range. Across the Elmore County ZIPs DLRadar ranks, scores run from 29/100 in 36054 down to 20/100 in 35010, against a Elmore County average of 26/100. The 9-point range is the argument for ZIP-level search across Elmore County.
What do Elmore County home values and vacancy say about distressed supply?
The typical Elmore County home carries about $206,723 of value against a median household income near $73,357. Vacancy across Elmore County's tracked ZIPs runs 13.9% and the poverty rate is 13.1%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Elmore County's foreclosure and lien filings and its 47/100 lending headwind.
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Every score is formula-driven and sourced from public records. Treat it as research, not investment, legal or financial advice. Monthly refresh.