Etowah County, AL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Etowah County, AL distress report, 2026: 15 ZIPs scored in Etowah, AL, Etowah, AL average 28/100; the top Etowah, AL ZIP is 36271 at 35/100; Etowah, AL market phase peak, Etowah, AL prices +0.6% year over year.
- Etowah, AL ranks #643 nationally (opportunity index); Etowah, AL #25 in Alabama; Etowah, AL index 32.7.
- Etowah, AL: no CFPB county sample; Etowah, AL non-metro area reading 1.6%.
- Etowah, AL ZIP phases: 13 peak, 2 expansion.
- Etowah, AL residential listings tracked: 26 across 11 ZIPs; Etowah, AL candidate listings 7.
- Etowah, AL HUD assisted properties: 7 with 463 units.
- Etowah, AL lenders on watch: 8; largest Etowah, AL footprint Exchange Bank Of Alabama (5 branches).
- Etowah, AL most distressed ZIP: 36271 at 35/100.
Etowah, AL figures: DLRadar distress index; Etowah, AL inputs: CFPB, FHFA, HUD, FDIC; Etowah, AL rebuilt as sources refresh.
| Rank | Etowah, AL ZIP | Score |
|---|---|---|
| 1 | 36271 | 35/100 |
| 2 | 35905 | 29/100 |
| 3 | 36272 | 29/100 |
| 4 | 35121 | 28/100 |
| 5 | 35972 | 28/100 |
| 6 | 35901 | 27/100 |
| 7 | 35903 | 27/100 |
| 8 | 35904 | 27/100 |
| 9 | 35906 | 27/100 |
| 10 | 35907 | 27/100 |
| 11 | 35952 | 27/100 |
| 12 | 35954 | 27/100 |
Most distressed Etowah, AL ZIPs (0-100, 2026)
Mortgage delinquency around Etowah, AL
No CFPB county sample covers Etowah, AL; the non-metro area reading for Etowah, AL: 1.6% ninety-plus; Etowah, AL area thirty-to-eighty-nine 4.7% (December 2025, Etowah, AL); Alabama overall 1.1%.
Opportunity index: Etowah, AL
Etowah, AL index 32.7, Etowah, AL phase peak_opportunity; Etowah, AL primary driver vacancy, Etowah, AL second driver bank institutional. Etowah, AL components: property stress 24.8, foreclosure pressure 23.1, listing discounts 29.9, bank stress 60.6, insurance 0.0; Etowah, AL pulse 37.9; Etowah, AL capital opportunity 24.8; Etowah, AL seven-day change -0.1%.
ZIP market phases inside Etowah, AL
15 Etowah, AL ZIPs carry a price-cycle phase; Etowah, AL ZIPs by phase (Etowah, AL), deepest drawdown first: peak, +0.6% YoY, 4.6% off peak (Etowah, AL): 35904, 35906, 35907, 35990, Etowah, AL 35956; peak, +0.7% YoY, 4.5% off peak (Etowah, AL): 35901; peak, +0.7% YoY, 4.4% off peak (Etowah, AL): 35954; peak, +1.0% YoY, 4.2% off peak (Etowah, AL): 35903; peak, +3.5% YoY, 3.5% off peak (Etowah, AL): 35905; peak, +1.3% YoY, 3.0% off peak (Etowah, AL): 35972; peak, +1.5% YoY, 2.6% off peak (Etowah, AL): 35952; peak, +3.2% YoY, 0.4% off peak (Etowah, AL): 35961; expansion, +7.5% YoY, 0.2% off peak (Etowah, AL): 36272; peak, +2.7% YoY, 0.0% off peak (Etowah, AL): 35121; expansion, +12.9% YoY, 0.0% off peak (Etowah, AL): 36271.
Residential listings by Etowah, AL ZIP
Etowah, AL ZIPs with the most tracked Etowah, AL residential listings: 35903 8 listings, 4 candidates, bank pressure 60; 35956 6 listings, 1 candidates, bank pressure 59; 35904 5 listings, 0 candidates, bank pressure 58; 35906 2 listings, 0 candidates, bank pressure 58 (Etowah, AL); 35907 2 listings, 0 candidates, bank pressure 58; 35901 1 listings, 1 candidates, bank pressure 60; 35905 1 listings, 0 candidates, bank pressure 60; 35954 1 listings, 1 candidates, bank pressure 58. Etowah, AL totals: 26 listings; Etowah, AL candidates 7; active ZIPs 3.
HUD assisted housing in Etowah, AL
7 assisted properties with 463 units sit in Etowah, AL; largest Etowah, AL properties: Holy Comforter House (Gadsden) 185 units; Princeton Park Apts. (Gadsden) 100 units, 100 assisted; River Hill Estates (Gadsden) 60 units, 60 assisted in Etowah, AL; Baptist Retirement Village (Gadsden) 55 units, 55 assisted; Baptist Retirement Village Ii (Gadsden) 47 units, 47 assisted; Episcopal Kyle Home (Gadsden) 10 units, 9 assisted.
Lenders with branches in Etowah, AL
Etowah, AL lenders by branch count: Exchange Bank Of Alabama (Etowah, AL): stress 54, 5 branches low in Etowah, AL; Regions Bank (Etowah, AL): stress 57, 4 branches low in Etowah, AL; Peoples Bank Of Alabama (Etowah, AL): stress 52, 2 branches low in Etowah, AL; River Bank&Trust (Etowah, AL): stress 65, 1 branch low in Etowah, AL; Peoples Independent Bank (Etowah, AL): stress 64, 1 branch low in Etowah, AL; Liberty Bank (Etowah, AL): stress 55, 1 branch low in Etowah, AL; Southern Bank Co (Etowah, AL): stress 52, 1 branch low in Etowah, AL; Metro Bank (Etowah, AL): stress 47, 1 branch low in Etowah, AL.
Vacancy and permits, Etowah, AL
8,192 of 47,603 Etowah, AL housing units are vacant; Etowah, AL permits, twelve months: 0 multifamily units in Etowah, AL, 117 one-to-four unit units.
Work Etowah, AL at the parcel level
Every Etowah, AL parcel carries owner and address; every Etowah, AL parcel carries APN; Etowah, AL distress scores sit on the Etowah, AL live board.
Etowah, AL figures refresh with each source.
Etowah, AL questions
Most distressed ZIP code in Etowah County, AL?
ZIP 36271 leads Etowah, AL at 35/100; next in Etowah, AL: 35905 at 29/100; the Etowah, AL average is 28/100.
Where does Etowah County, AL rank for investment opportunity?
Etowah, AL is #643 among all ranked counties, #25 in Alabama; the Etowah, AL driver is vacancy; Etowah, AL moved down 156 places.
How many mortgages are delinquent in Etowah County, AL?
Etowah, AL takes the non-metro area reading of 1.6% for December 2025; no CFPB county sample covers Etowah, AL.
Which banks lend in Etowah County, AL?
8 watched lenders hold Etowah, AL branches; the largest Etowah, AL footprints are Exchange Bank Of Alabama (5), Regions Bank (4), Peoples Bank Of Alabama (2).
More on Etowah, AL
Etowah County, AL distress report: public-record figures for Etowah, AL; not legal advice for Etowah, AL; not tax or investment advice; verify every Etowah, AL record before acting.