Jefferson County, AL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Jefferson County, Alabama? DLRadar grades every Jefferson County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 31/100. Here is the 2026 Jefferson County breakdown.
- Jefferson County's most distressed ZIP is 35444 at 31/100.
- 64 ZIP codes tracked in Jefferson County, averaging 28/100 distress.
- Jefferson County reads peak — home values up 2.7% year over year.
- Vacancy runs 14% across Jefferson County's tracked ZIPs, with a 16.9% poverty rate.
- The typical Jefferson County home is worth about $234,683 against a ~$77,189 median income.
- Lending headwind in Jefferson County sits at 46/100 — a forward read on distressed supply.
All figures come from the monthly DLRadar distress index built on public records. Attribution to DLRadar (dlradar.com) appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 35444 | 31/100 |
| 2 | 35005 | 29/100 |
| 3 | 35006 | 29/100 |
| 4 | 35020 | 29/100 |
| 5 | 35022 | 29/100 |
| 6 | 35023 | 29/100 |
| 7 | 35036 | 29/100 |
| 8 | 35060 | 29/100 |
| 9 | 35061 | 29/100 |
| 10 | 35064 | 29/100 |
| 11 | 35068 | 29/100 |
| 12 | 35071 | 29/100 |
Most distressed ZIP codes in Jefferson County (composite distress 0-100, 2026)
What is driving Jefferson County distress
Jefferson County's placement in the national index rests on public filings — a 28/100 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.
Jefferson County market phase and pricing
Jefferson County reads peak — home prices rose 2.7% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Jefferson County
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Questions about this county
Which ZIP code leads Jefferson County on distress?
ZIP 35444 leads Jefferson County at 31/100, recomputed monthly from public records.
Is Jefferson County expanding or contracting?
Jefferson County reads peak, with home prices up 2.7% year over year. Phase comes from FHFA House Price Index trajectory.
Can the Jefferson County figures be verified?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 64 Jefferson County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Jefferson County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Jefferson County ZIPs DLRadar ranks, scores run from 31/100 in 35444 down to 29/100 in 35071, against a Jefferson County average of 28/100. Those 2 points separate the ZIPs worth working in Jefferson County from the rest.
What do Jefferson County home values and vacancy say about distressed supply?
The typical Jefferson County home carries about $234,683 of value against a median household income near $77,189. Vacancy across Jefferson County's tracked ZIPs runs 14% and the poverty rate is 16.9%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Jefferson County's filings and its 46/100 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.