Elmore County, AL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Elmore County, AL distress report, 2026: 13 ZIPs scored in Elmore, AL, Elmore, AL average 26/100; the top Elmore, AL ZIP is 36054 at 29/100; Elmore, AL market phase expansion, Elmore, AL prices +5.4% year over year.
- Elmore, AL ranks #768 nationally (opportunity index); Elmore, AL #30 in Alabama; Elmore, AL index 32.1.
- Elmore, AL: no CFPB county sample; Elmore, AL metro area reading 1.2%.
- Elmore, AL ZIP phases: 9 expansion, 2 peak, 2 neutral.
- Elmore, AL residential listings tracked: 39 across 9 ZIPs; Elmore, AL candidate listings 23.
- Elmore, AL HUD assisted properties: 2 with 395 units.
- Elmore, AL lenders on watch: 5; largest Elmore, AL footprint First Cmty Bank Of Cntl Al (7 branches).
- Elmore, AL most distressed ZIP: 36054 at 29/100.
Elmore, AL figures: DLRadar distress index; Elmore, AL inputs: CFPB, FHFA, HUD, FDIC; Elmore, AL rebuilt as sources refresh.
| Rank | Elmore, AL ZIP | Score |
|---|---|---|
| 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 | 36080 | 27/100 |
| 8 | 36022 | 26/100 |
| 9 | 36078 | 26/100 |
| 10 | 36066 | 25/100 |
| 11 | 36051 | 24/100 |
| 12 | 35010 | 21/100 |
Most distressed Elmore, AL ZIPs (0-100, 2026)
Mortgage delinquency around Elmore, AL
No CFPB county sample covers Elmore, AL; the metro area reading for Elmore, AL (Montgomery, AL): 1.2% ninety-plus; Elmore, AL area thirty-to-eighty-nine 2.9% (December 2025, Elmore, AL); Alabama overall 1.1%.
Opportunity index: Elmore, AL
Elmore, AL index 32.1, Elmore, AL phase watchlist; Elmore, AL primary driver bank institutional, Elmore, AL second driver vacancy. Elmore, AL components: property stress 22.4, foreclosure pressure 20.4, listing discounts 41.6, bank stress 54.4, insurance 0.0; Elmore, AL pulse 33.3; Elmore, AL capital opportunity 30.2; Elmore, AL seven-day change +0.2%.
ZIP market phases inside Elmore, AL
13 Elmore, AL ZIPs carry a price-cycle phase; Elmore, AL ZIPs by phase (Elmore, AL), deepest drawdown first: expansion, +5.4% YoY, 1.4% off peak (Elmore, AL): 36020, 36022, 36024, 36025, Elmore, AL 36054, 36066, 36092, 36093; expansion, +5.3% YoY, 1.4% off peak (Elmore, AL): 36080; neutral, +5.0% YoY, 1.2% off peak (Elmore, AL): 36051; neutral, +4.7% YoY, 1.0% off peak (Elmore, AL): 36078; peak, +3.7% YoY, 0.3% off peak (Elmore, AL): 36026; peak, +3.3% YoY, 0.1% off peak (Elmore, AL): 35010.
Residential listings by Elmore, AL ZIP
Elmore, AL ZIPs with the most tracked Elmore, AL residential listings: 36092 8 listings, 4 candidates, bank pressure 64; 36093 8 listings, 6 candidates, bank pressure 64; 36078 7 listings, 3 candidates, bank pressure 66; 36022 5 listings, 3 candidates, bank pressure 63 (Elmore, AL); 36080 4 listings, 2 candidates, bank pressure 64; 36054 3 listings, 1 candidates, bank pressure 64; 36020 2 listings, 2 candidates, bank pressure 64; 36025 2 listings, 2 candidates, bank pressure 64. Elmore, AL totals: 39 listings; Elmore, AL candidates 23; active ZIPs 1.
HUD assisted housing in Elmore, AL
2 assisted properties with 395 units sit in Elmore, AL; largest Elmore, AL properties: The Park Apartment Homes (Prattville) 259 units; Rolling Hills Apartments (Millbrook) 136 units.
Lenders with branches in Elmore, AL
Elmore, AL lenders by branch count: First Cmty Bank Of Cntl Al (Elmore, AL): stress 52, 7 branches low in Elmore, AL; Cb&S Bank Inc (Elmore, AL): stress 87, 2 branches low in Elmore, AL; River Bank&Trust (Elmore, AL): stress 65, 2 branches low in Elmore, AL; Regions Bank (Elmore, AL): stress 57, 2 branches low in Elmore, AL; Marion Community Bank (Elmore, AL): stress 80, 1 branch low in Elmore, AL.
Vacancy and permits, Elmore, AL
4,467 of 37,323 Elmore, AL housing units are vacant; Elmore, AL permits, twelve months: 0 multifamily units in Elmore, AL, 131 one-to-four unit units.
Work Elmore, AL at the parcel level
Every Elmore, AL parcel carries owner and address; every Elmore, AL parcel carries APN; Elmore, AL distress scores sit on the Elmore, AL live board.
Elmore, AL figures refresh with each source.
Elmore, AL questions
Most distressed ZIP code in Elmore County, AL?
ZIP 36054 leads Elmore, AL at 29/100; next in Elmore, AL: 36020 at 28/100; the Elmore, AL average is 26/100.
Where does Elmore County, AL rank for investment opportunity?
Elmore, AL is #768 among all ranked counties, #30 in Alabama; the Elmore, AL driver is bank institutional; Elmore, AL moved up 658 places.
How many mortgages are delinquent in Elmore County, AL?
Elmore, AL takes the metro area reading of 1.2% for December 2025; no CFPB county sample covers Elmore, AL.
Which banks lend in Elmore County, AL?
5 watched lenders hold Elmore, AL branches; the largest Elmore, AL footprints are First Cmty Bank Of Cntl Al (7), Cb&S Bank Inc (2), River Bank&Trust (2).
More on Elmore, AL
Elmore County, AL distress report: public-record figures for Elmore, AL; not legal advice for Elmore, AL; not tax or investment advice; verify every Elmore, AL record before acting.