Etowah County, AL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Etowah County, Alabama? DLRadar grades every Etowah County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 35/100. Here is the 2026 Etowah County breakdown.
- Etowah County's most distressed ZIP is 36271 at 35/100.
- 15 ZIP codes tracked in Etowah County, averaging 27/100 distress.
- Etowah County reads peak — home values up 0.6% year over year, 4.6% off peak.
- Vacancy runs 17.4% across Etowah County's tracked ZIPs, with a 16.1% poverty rate.
- The typical Etowah County home is worth about $156,600 against a ~$53,419 median income.
- Lending headwind in Etowah County sits at 34/100 — a forward read on distressed supply.
Source data is DLRadar's monthly public-record index. Citation welcome, with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 36271 | 35/100 |
| 2 | 36272 | 29/100 |
| 3 | 35121 | 28/100 |
| 4 | 35905 | 28/100 |
| 5 | 35972 | 28/100 |
| 6 | 35961 | 27/100 |
| 7 | 35901 | 25/100 |
| 8 | 35903 | 25/100 |
| 9 | 35904 | 25/100 |
| 10 | 35906 | 25/100 |
| 11 | 35907 | 25/100 |
| 12 | 35952 | 25/100 |
Most distressed ZIP codes in Etowah County (composite distress 0-100, 2026)
What is driving Etowah County distress
Etowah County's placement in the national index rests on public filings — a 27/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Etowah County market phase and pricing
The cycle in Etowah County is peak, with values up 0.6% year over year and 4.6% below peak. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Etowah County
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Frequently asked
Which Etowah County ZIP scores worst for distress?
ZIP 36271 leads Etowah County at 35/100, recomputed monthly from public records.
Is Etowah County expanding or contracting?
Etowah County currently sits in peak, with values up 0.6% year on year, based on FHFA price-index trajectory.
Which datasets feed the Etowah County scores?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 15 Etowah County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Etowah County ZIP codes?
One county number flattens a wide range. Across the Etowah County ZIPs DLRadar ranks, scores run from 35/100 in 36271 down to 25/100 in 35952, against a Etowah County average of 27/100. The 10-point range is the argument for ZIP-level search across Etowah County.
What do Etowah County home values and vacancy say about distressed supply?
The typical Etowah County home carries about $156,600 of value against a median household income near $53,419. Vacancy across Etowah County's tracked ZIPs runs 17.4% and the poverty rate is 16.1%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Etowah County's foreclosure and tax-lien record and its 34/100 lending headwind.
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Produced by fixed formulas over public records — research, not investment, legal or financial advice. The underlying index updates monthly.