Lawrence County, AL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Lawrence County, AL distress report, 2026: 10 ZIPs scored in Lawrence, AL, Lawrence, AL average 27/100; the top Lawrence, AL ZIP is 35618 at 29/100; Lawrence, AL market phase peak, Lawrence, AL prices +1.3% year over year.
- Lawrence, AL ranks #799 nationally (opportunity index); Lawrence, AL #33 in Alabama; Lawrence, AL index 32.0.
- Lawrence, AL: no CFPB county sample; Lawrence, AL metro area reading 0.9%.
- Lawrence, AL ZIP phases: 9 peak, 1 neutral.
- Lawrence, AL residential listings tracked: 13 across 7 ZIPs; Lawrence, AL candidate listings 4.
- Lawrence, AL HUD assisted properties: 2 with 51 units.
- Lawrence, AL lenders on watch: 4; largest Lawrence, AL footprint Bank Independent (3 branches).
- Lawrence, AL most distressed ZIP: 35618 at 29/100.
Lawrence, AL figures: DLRadar distress index; Lawrence, AL inputs: CFPB, FHFA, HUD, FDIC; Lawrence, AL rebuilt as sources refresh.
| Rank | Lawrence, AL ZIP | Score |
|---|---|---|
| 1 | 35618 | 29/100 |
| 2 | 35643 | 29/100 |
| 3 | 35651 | 29/100 |
| 4 | 35672 | 29/100 |
| 5 | 35565 | 28/100 |
| 6 | 35650 | 28/100 |
| 7 | 35654 | 27/100 |
| 8 | 35619 | 23/100 |
| 9 | 35673 | 23/100 |
| 10 | 35603 | 22/100 |
Most distressed Lawrence, AL ZIPs (0-100, 2026)
Mortgage delinquency around Lawrence, AL
No CFPB county sample covers Lawrence, AL; the metro area reading for Lawrence, AL (Decatur, AL): 0.9% ninety-plus; Lawrence, AL area thirty-to-eighty-nine 3.1% (December 2025, Lawrence, AL); Alabama overall 1.1%.
Opportunity index: Lawrence, AL
Lawrence, AL index 32.0, Lawrence, AL phase watchlist; Lawrence, AL primary driver vacancy, Lawrence, AL second driver bank institutional. Lawrence, AL components: property stress 20.7, foreclosure pressure 20.0, listing discounts 37.6, bank stress 56.3, insurance 0.0; Lawrence, AL pulse 34.7; Lawrence, AL capital opportunity 27.9.
ZIP market phases inside Lawrence, AL
10 Lawrence, AL ZIPs carry a price-cycle phase; Lawrence, AL ZIPs by phase (Lawrence, AL), deepest drawdown first: neutral, +4.3% YoY (Lawrence, AL): 35565; peak, +1.3% YoY (Lawrence, AL): 35603, 35618, 35619, 35643, Lawrence, AL 35650, 35651, 35673; peak, +3.5% YoY (Lawrence, AL): 35654; peak, +1.7% YoY (Lawrence, AL): 35672.
Residential listings by Lawrence, AL ZIP
Lawrence, AL ZIPs with the most tracked Lawrence, AL residential listings: 35650 5 listings, 2 candidates, bank pressure 63; 35619 4 listings, 1 candidates, bank pressure 62; 35651 2 listings, 0 candidates, bank pressure 79; 35673 2 listings, 1 candidates, bank pressure 63 (Lawrence, AL); 35618 0 listings, 0 candidates, bank pressure 79; 35643 0 listings, 0 candidates, bank pressure 79; 35672 0 listings, 0 candidates, bank pressure 75. Lawrence, AL totals: 13 listings; Lawrence, AL candidates 4; active ZIPs 2.
HUD assisted housing in Lawrence, AL
2 assisted properties with 51 units sit in Lawrence, AL; largest Lawrence, AL properties: Creekview Manor Apartments (Town Creek) 40 units, 40 assisted; The Village (Moulton) 11 units, 10 assisted.
Lenders with branches in Lawrence, AL
Lawrence, AL lenders by branch count: Bank Independent (Lawrence, AL): stress 77, 3 branches low in Lawrence, AL; Cb&S Bank Inc (Lawrence, AL): stress 87, 2 branches low in Lawrence, AL; First Southern Bank (Lawrence, AL): stress 94, 1 branch low in Lawrence, AL; Regions Bank (Lawrence, AL): stress 57, 1 branch low in Lawrence, AL.
Vacancy and permits, Lawrence, AL
1,776 of 15,403 Lawrence, AL housing units are vacant; Lawrence, AL permits, twelve months: 0 multifamily units in Lawrence, AL, 3 one-to-four unit units.
Work Lawrence, AL at the parcel level
Every Lawrence, AL parcel carries owner and address; every Lawrence, AL parcel carries APN; Lawrence, AL distress scores sit on the Lawrence, AL live board.
Lawrence, AL figures refresh with each source.
Lawrence, AL questions
Most distressed ZIP code in Lawrence County, AL?
ZIP 35618 leads Lawrence, AL at 29/100; next in Lawrence, AL: 35643 at 29/100; the Lawrence, AL average is 27/100.
Where does Lawrence County, AL rank for investment opportunity?
Lawrence, AL is #799 among all ranked counties, #33 in Alabama; the Lawrence, AL driver is vacancy; Lawrence, AL moved up 300 places.
How many mortgages are delinquent in Lawrence County, AL?
Lawrence, AL takes the metro area reading of 0.9% for December 2025; no CFPB county sample covers Lawrence, AL.
Which banks lend in Lawrence County, AL?
4 watched lenders hold Lawrence, AL branches; the largest Lawrence, AL footprints are Bank Independent (3), Cb&S Bank Inc (2), First Southern Bank (1).
More on Lawrence, AL
Lawrence County, AL distress report: public-record figures for Lawrence, AL; not legal advice for Lawrence, AL; not tax or investment advice; verify every Lawrence, AL record before acting.