Franklin County, AL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Franklin County, AL distress report, 2026: 10 ZIPs scored in Franklin, AL, Franklin, AL average 28/100; the top Franklin, AL ZIP is 35674 at 31/100; Franklin, AL market phase peak, Franklin, AL prices +3.2% year over year.
- Franklin, AL ranks #330 nationally (opportunity index); Franklin, AL #14 in Alabama; Franklin, AL index 34.4.
- Franklin, AL: no CFPB county sample; Franklin, AL non-metro area reading 1.6%.
- Franklin, AL ZIP phases: 6 peak, 3 neutral, 1 expansion.
- Franklin, AL residential listings tracked: 9 across 7 ZIPs; Franklin, AL candidate listings 6.
- Franklin, AL HUD assisted properties: 3 with 185 units.
- Franklin, AL lenders on watch: 5; largest Franklin, AL footprint Cb&S Bank Inc (6 branches).
- Franklin, AL most distressed ZIP: 35674 at 31/100.
Franklin, AL figures: DLRadar distress index; Franklin, AL inputs: CFPB, FHFA, HUD, FDIC; Franklin, AL rebuilt as sources refresh.
| Rank | Franklin, AL ZIP | Score |
|---|---|---|
| 1 | 35674 | 31/100 |
| 2 | 35564 | 28/100 |
| 3 | 35565 | 28/100 |
| 4 | 35571 | 28/100 |
| 5 | 35581 | 28/100 |
| 6 | 35593 | 28/100 |
| 7 | 35582 | 27/100 |
| 8 | 35585 | 27/100 |
| 9 | 35654 | 27/100 |
| 10 | 35653 | 26/100 |
Most distressed Franklin, AL ZIPs (0-100, 2026)
Mortgage delinquency around Franklin, AL
No CFPB county sample covers Franklin, AL; the non-metro area reading for Franklin, AL: 1.6% ninety-plus; Franklin, AL area thirty-to-eighty-nine 4.7% (December 2025, Franklin, AL); Alabama overall 1.1%.
Opportunity index: Franklin, AL
Franklin, AL index 34.4, Franklin, AL phase peak_opportunity; Franklin, AL primary driver vacancy, Franklin, AL second driver construction. Franklin, AL components: property stress 19.2, foreclosure pressure 18.8, listing discounts 39.3, bank stress 56.8, insurance 0.0; Franklin, AL pulse 38.6; Franklin, AL capital opportunity 28.2.
ZIP market phases inside Franklin, AL
10 Franklin, AL ZIPs carry a price-cycle phase; Franklin, AL ZIPs by phase (Franklin, AL), deepest drawdown first: neutral, +4.9% YoY (Franklin, AL): 35564; neutral, +4.3% YoY (Franklin, AL): 35565, 35653; peak, +3.6% YoY (Franklin, AL): 35571; peak, +3.4% YoY (Franklin, AL): 35581; peak, +3.2% YoY (Franklin, AL): 35582, 35585; peak, +3.8% YoY (Franklin, AL): 35593; peak, +3.5% YoY (Franklin, AL): 35654; expansion, +8.4% YoY (Franklin, AL): 35674.
Residential listings by Franklin, AL ZIP
Franklin, AL ZIPs with the most tracked Franklin, AL residential listings: 35582 2 listings, 0 candidates, bank pressure 65; 35593 2 listings, 2 candidates, bank pressure 63; 35653 2 listings, 2 candidates, bank pressure 69; 35654 2 listings, 2 candidates, bank pressure 71 (Franklin, AL); 35581 1 listings, 0 candidates, bank pressure 63; 35571 0 listings, 0 candidates, bank pressure 63; 35585 0 listings, 0 candidates, bank pressure 65. Franklin, AL totals: 9 listings; Franklin, AL candidates 6; active ZIPs 2.
HUD assisted housing in Franklin, AL
3 assisted properties with 185 units sit in Franklin, AL; largest Franklin, AL properties: Regency Plaza Apartments (Russellville) 64 units, 16 assisted; Village Square Apts (Russellville) 64 units, 64 assisted; Village Green Apartments (Red Bay) 57 units, 56 assisted in Franklin, AL.
Lenders with branches in Franklin, AL
Franklin, AL lenders by branch count: Cb&S Bank Inc (Franklin, AL): stress 87, 6 branches low in Franklin, AL; Bank Independent (Franklin, AL): stress 77, 3 branches low in Franklin, AL; Community Spirit Bank (Franklin, AL): stress 70, 3 branches low in Franklin, AL; Valley State Bank (Franklin, AL): stress 37, 3 branches low in Franklin, AL; First Metro Bank (Franklin, AL): stress 54, 1 branch low in Franklin, AL.
Vacancy and permits, Franklin, AL
2,048 of 14,002 Franklin, AL housing units are vacant; Franklin, AL permits, twelve months: 0 multifamily units in Franklin, AL, 9 one-to-four unit units.
Work Franklin, AL at the parcel level
Every Franklin, AL parcel carries owner and address; every Franklin, AL parcel carries APN; Franklin, AL distress scores sit on the Franklin, AL live board.
Franklin, AL figures refresh with each source.
Franklin, AL questions
Most distressed ZIP code in Franklin County, AL?
ZIP 35674 leads Franklin, AL at 31/100; next in Franklin, AL: 35564 at 28/100; the Franklin, AL average is 28/100.
Where does Franklin County, AL rank for investment opportunity?
Franklin, AL is #330 among all ranked counties, #14 in Alabama; the Franklin, AL driver is vacancy; Franklin, AL moved up 128 places.
How many mortgages are delinquent in Franklin County, AL?
Franklin, AL takes the non-metro area reading of 1.6% for December 2025; no CFPB county sample covers Franklin, AL.
Which banks lend in Franklin County, AL?
5 watched lenders hold Franklin, AL branches; the largest Franklin, AL footprints are Cb&S Bank Inc (6), Bank Independent (3), Community Spirit Bank (3).
More on Franklin, AL
Franklin County, AL distress report: public-record figures for Franklin, AL; not legal advice for Franklin, AL; not tax or investment advice; verify every Franklin, AL record before acting.