Jefferson County, AL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Jefferson County, AL distress report, 2026: 64 ZIPs scored in Jefferson, AL, Jefferson, AL average 29/100; the top Jefferson, AL ZIP is 35444 at 31/100; Jefferson, AL market phase peak, Jefferson, AL prices +2.7% year over year.
- Jefferson, AL ranks #1,116 nationally (opportunity index); Jefferson, AL #42 in Alabama; Jefferson, AL index 30.8.
- Jefferson, AL ninety-day mortgage delinquency 1.2% in December 2025; Jefferson, AL twelve-month change +0.1%.
- Jefferson, AL ZIP phases: 63 peak, 1 contraction.
- Jefferson, AL residential listings tracked: 627 across 54 ZIPs; Jefferson, AL candidate listings 318.
- Jefferson, AL HUD assisted properties: 58 with 5,567 units.
- Jefferson, AL lenders on watch: 8; largest Jefferson, AL footprint Regions Bank (39 branches).
- Jefferson, AL most distressed ZIP: 35444 at 31/100.
Jefferson, AL figures: DLRadar distress index; Jefferson, AL inputs: CFPB, FHFA, HUD, FDIC; Jefferson, AL rebuilt as sources refresh.
| Rank | Jefferson, AL ZIP | Score |
|---|---|---|
| 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 Jefferson, AL ZIPs (0-100, 2026)
Mortgage delinquency in Jefferson, AL
1.2% of Jefferson, AL mortgages were ninety-plus days late (Jefferson, AL, December 2025); Jefferson, AL thirty-to-eighty-nine days late: 2.9%; Jefferson, AL twelve-month change +0.1%; Jefferson, AL peak since 2008: 5.3% (December 2009); Alabama overall 1.1%. Jefferson, AL ninety-day series: Dec 24 1.1, Jan 25 1.2, Feb 25 0.9 (Jefferson, AL), Mar 25 0.9, Apr 25 0.8, May 25 1.1 (Jefferson, AL), Jun 25 1.0, Jul 25 1.2, Aug 25 1.3 (Jefferson, AL), Sep 25 1.1, Oct 25 1.2, Nov 25 1.2 (Jefferson, AL), Dec 25 1.2.
Opportunity index: Jefferson, AL
Jefferson, AL index 30.8, Jefferson, AL phase watchlist; Jefferson, AL primary driver vacancy, Jefferson, AL second driver bank institutional. Jefferson, AL components: property stress 20.7, foreclosure pressure 20.0, listing discounts 41.2, bank stress 59.8, insurance 0.0; Jefferson, AL pulse 32.0; Jefferson, AL capital opportunity 29.0; Jefferson, AL seven-day change +0.2%.
ZIP market phases inside Jefferson, AL
64 Jefferson, AL ZIPs carry a price-cycle phase; Jefferson, AL ZIPs by phase (Jefferson, AL), deepest drawdown first: contraction, -1.3% YoY, 2.7% off peak (Jefferson, AL): 35444; peak, +0.9% YoY, 1.2% off peak (Jefferson, AL): 35111; peak, +2.6% YoY, 0.1% off peak (Jefferson, AL): 35006; peak, +2.7% YoY (Jefferson, AL): 35005, 35020, 35022, 35023, Jefferson, AL 35036, 35060, 35061, 35062, Jefferson, AL 35063, 35064, 35068, 35071, Jefferson, AL 35073.
Residential listings by Jefferson, AL ZIP
Jefferson, AL ZIPs with the most tracked Jefferson, AL residential listings: 35215 116 listings, 70 candidates, bank pressure 64; 35226 37 listings, 2 candidates, bank pressure 64; 35211 36 listings, 17 candidates, bank pressure 64; 35206 30 listings, 15 candidates, bank pressure 64 (Jefferson, AL); 35023 26 listings, 15 candidates, bank pressure 64; 35126 26 listings, 7 candidates, bank pressure 63; 35208 24 listings, 15 candidates, bank pressure 64; 35217 22 listings, 12 candidates, bank pressure 64. Jefferson, AL totals: 627 listings; Jefferson, AL candidates 318; active ZIPs 1.
HUD assisted housing in Jefferson, AL
58 assisted properties with 5,567 units sit in Jefferson, AL; largest Jefferson, AL properties: Lakeshore Ridge Apartments (Birmingham) 352 units; Arbors At Cahaba River Apartments (Birmingham) 348 units; Woodmere Creek Apartments (Birmingham) 300 units in Jefferson, AL; Chapel Creek Apartments (Fultondale) 248 units; Magnolia Court (Birmingham) 240 units; Princeton Towers (Birmingham) 240 units, 240 assisted.
Lenders with branches in Jefferson, AL
Jefferson, AL lenders by branch count: Regions Bank (Jefferson, AL): stress 57, 39 branches low in Jefferson, AL; Southpoint Bank (Jefferson, AL): stress 97, 5 branches low in Jefferson, AL; Bryant Bank (Jefferson, AL): stress 61, 5 branches low in Jefferson, AL; Peoples Bank Of Alabama (Jefferson, AL): stress 52, 4 branches low in Jefferson, AL; First Financial Bank (Jefferson, AL): stress 80, 3 branches low in Jefferson, AL; Pinnacle Bank (Jefferson, AL): stress 78, 3 branches low in Jefferson, AL; Commerceone Bank (Jefferson, AL): stress 96, 2 branches low in Jefferson, AL; Union State Bank (Jefferson, AL): stress 93, 2 branches low in Jefferson, AL.
Vacancy and permits, Jefferson, AL
40,906 of 310,789 Jefferson, AL housing units are vacant; Jefferson, AL permits, twelve months: 1,239 multifamily units in Jefferson, AL, 1,532 one-to-four unit units.
Work Jefferson, AL at the parcel level
Every Jefferson, AL parcel carries owner and address; every Jefferson, AL parcel carries APN; Jefferson, AL distress scores sit on the Jefferson, AL live board.
Jefferson, AL figures refresh with each source.
Jefferson, AL questions
Most distressed ZIP code in Jefferson County, AL?
ZIP 35444 leads Jefferson, AL at 31/100; next in Jefferson, AL: 35005 at 29/100; the Jefferson, AL average is 29/100.
Where does Jefferson County, AL rank for investment opportunity?
Jefferson, AL is #1,116 among all ranked counties, #42 in Alabama; the Jefferson, AL driver is vacancy; Jefferson, AL moved up 669 places.
How many mortgages are delinquent in Jefferson County, AL?
1.2% of Jefferson, AL mortgages were ninety-plus days late in December 2025; the Jefferson, AL peak since 2008 was 5.3%.
Which banks lend in Jefferson County, AL?
8 watched lenders hold Jefferson, AL branches; the largest Jefferson, AL footprints are Regions Bank (39), Southpoint Bank (5), Bryant Bank (5).
More on Jefferson, AL
Jefferson County, AL distress report: public-record figures for Jefferson, AL; not legal advice for Jefferson, AL; not tax or investment advice; verify every Jefferson, AL record before acting.