Fayette County, AL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Fayette County, Alabama? DLRadar grades every Fayette County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 27/100. Here is the 2026 Fayette County breakdown.
- Fayette County's most distressed ZIP is 35563 at 27/100.
- 10 ZIP codes tracked in Fayette County, averaging 19/100 distress.
- Fayette County reads expansion — home values up 5.0% year over year.
- Vacancy runs 19.9% across Fayette County's tracked ZIPs, with a 17.4% poverty rate.
- The typical Fayette County home is worth about $118,200 against a ~$51,023 median income.
- Lending headwind in Fayette County sits at 40/100 — a forward read on distressed supply.
Figures: DLRadar distress index, rebuilt monthly from public filings. Free to reuse with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 35563 | 27/100 |
| 2 | 35546 | 26/100 |
| 3 | 35594 | 26/100 |
| 4 | 35554 | 21/100 |
| 5 | 35555 | 20/100 |
| 6 | 35549 | 17/100 |
| 7 | 35542 | 14/100 |
| 8 | 35545 | 14/100 |
| 9 | 35559 | 14/100 |
| 10 | 35574 | 13/100 |
Most distressed ZIP codes in Fayette County (composite distress 0-100, 2026)
What is driving Fayette County distress
Fayette County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 19/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Fayette County market phase and pricing
The cycle in Fayette County is expansion, with values up 5.0% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Fayette County
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Frequently asked questions
Which ZIP code leads Fayette County on distress?
ZIP 35563 leads Fayette County at 27/100, recomputed monthly from public records.
Which phase does Fayette County sit in right now?
Fayette County is classified expansion with a 5.0% year-over-year increase, following the FHFA House Price Index.
How is the Fayette County data sourced?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 10 Fayette County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Fayette County ZIP codes?
One county number flattens a wide range. Across the Fayette County ZIPs DLRadar ranks, scores run from 27/100 in 35563 down to 13/100 in 35574, against a Fayette County average of 19/100. The 14-point range is the argument for ZIP-level search across Fayette County.
What do Fayette County home values and vacancy say about distressed supply?
The typical Fayette County home carries about $118,200 of value against a median household income near $51,023. Vacancy across Fayette County's tracked ZIPs runs 19.9% and the poverty rate is 17.4%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Fayette County's foreclosure and tax-lien record and its 40/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.