Lee County, AL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Lee County, AL distress report, 2026: 15 ZIPs scored in Lee, AL, Lee, AL average 23/100; the top Lee, AL ZIP is 36849 at 27/100; Lee, AL market phase peak, Lee, AL prices +0.9% year over year.
- Lee, AL ranks #1,564 nationally (opportunity index); Lee, AL #57 in Alabama; Lee, AL index 29.2.
- Lee, AL ninety-day mortgage delinquency 0.5% in December 2025; Lee, AL twelve-month change 0.0%.
- Lee, AL ZIP phases: 15 peak.
- Lee, AL residential listings tracked: 104 across 9 ZIPs; Lee, AL candidate listings 18.
- Lee, AL HUD assisted properties: 11 with 1,149 units.
- Lee, AL lenders on watch: 8; largest Lee, AL footprint Auburnbank (5 branches).
- Lee, AL most distressed ZIP: 36849 at 27/100.
Lee, AL figures: DLRadar distress index; Lee, AL inputs: CFPB, FHFA, HUD, FDIC; Lee, AL rebuilt as sources refresh.
| Rank | Lee, AL ZIP | Score |
|---|---|---|
| 1 | 36849 | 27/100 |
| 2 | 36865 | 27/100 |
| 3 | 36877 | 27/100 |
| 4 | 36832 | 26/100 |
| 5 | 36870 | 26/100 |
| 6 | 36874 | 26/100 |
| 7 | 36804 | 25/100 |
| 8 | 36867 | 25/100 |
| 9 | 36801 | 24/100 |
| 10 | 36830 | 21/100 |
| 11 | 36879 | 21/100 |
| 12 | 36850 | 20/100 |
Most distressed Lee, AL ZIPs (0-100, 2026)
Mortgage delinquency in Lee, AL
0.5% of Lee, AL mortgages were ninety-plus days late (Lee, AL, December 2025); Lee, AL thirty-to-eighty-nine days late: 2.2%; Lee, AL twelve-month change 0.0%; Lee, AL peak since 2008: 3.8% (September 2009); Alabama overall 1.1%. Lee, AL ninety-day series: Dec 24 0.5, Jan 25 1.1, Feb 25 1.2 (Lee, AL), Mar 25 1.1, Apr 25 0.7, May 25 0.6 (Lee, AL), Jun 25 0.5, Jul 25 0.6, Aug 25 0.6 (Lee, AL), Sep 25 0.5, Oct 25 0.5, Nov 25 0.5 (Lee, AL), Dec 25 0.5.
Opportunity index: Lee, AL
Lee, AL index 29.2, Lee, AL phase early_signal; Lee, AL primary driver vacancy, Lee, AL second driver bank institutional. Lee, AL components: property stress 23.6, foreclosure pressure 20.6, listing discounts 33.3, bank stress 52.6, insurance 0.0; Lee, AL pulse 30.2; Lee, AL capital opportunity 27.6.
ZIP market phases inside Lee, AL
15 Lee, AL ZIPs carry a price-cycle phase; Lee, AL ZIPs by phase (Lee, AL), deepest drawdown first: peak, +1.3% YoY, 1.1% off peak (Lee, AL): 36867; peak, +1.2% YoY, 0.6% off peak (Lee, AL): 36870; peak, +1.0% YoY, 0.2% off peak (Lee, AL): 36804; peak, +1.0% YoY, 0.1% off peak (Lee, AL): 36874; peak, +0.9% YoY, 0.0% off peak (Lee, AL): 36877; peak, +1.4% YoY (Lee, AL): 36801, 36866; peak, +0.9% YoY (Lee, AL): 36830, 36832, 36849, 36865; peak, +3.0% YoY (Lee, AL): 36850; peak, +2.3% YoY (Lee, AL): 36852; peak, +2.2% YoY (Lee, AL): 36854, 36879.
Residential listings by Lee, AL ZIP
Lee, AL ZIPs with the most tracked Lee, AL residential listings: 36830 56 listings, 10 candidates, bank pressure 64; 36832 28 listings, 3 candidates, bank pressure 64; 36804 8 listings, 2 candidates, bank pressure 64; 36870 4 listings, 0 candidates, bank pressure 64 (Lee, AL); 36874 4 listings, 2 candidates, bank pressure 64; 36801 3 listings, 0 candidates, bank pressure 62; 36877 1 listings, 1 candidates, bank pressure 64; 36849 0 listings, 0 candidates, bank pressure 63. Lee, AL totals: 104 listings; Lee, AL candidates 18; active ZIPs 2.
HUD assisted housing in Lee, AL
11 assisted properties with 1,149 units sit in Lee, AL; largest Lee, AL properties: Summer Lake Apartments (Smiths Station) 270 units; Steeple Crest Luxury Apartment Homes (Phenix City) 200 units; The Crossings Of Opelika (Opelika) 168 units in Lee, AL; Arbor Place Apartments (Opelika) 120 units; Easehouse Apartments (Auburn) 100 units, 99 assisted; Cotton Run Apartments (Phenix City) 96 units.
Lenders with branches in Lee, AL
Lee, AL lenders by branch count: Auburnbank (Lee, AL): stress 79, 5 branches low in Lee, AL; River Bank&Trust (Lee, AL): stress 65, 3 branches low in Lee, AL; Regions Bank (Lee, AL): stress 57, 2 branches low in Lee, AL; Troy Bank&Trust Co (Lee, AL): stress 56, 2 branches low in Lee, AL; Cb&S Bank Inc (Lee, AL): stress 87, 1 branch low in Lee, AL; Phenix-Girard Bank (Lee, AL): stress 80, 1 branch low in Lee, AL; Midsouth Bank (Lee, AL): stress 80, 1 branch low in Lee, AL; Amerifirst Bank (Lee, AL): stress 68, 1 branch low in Lee, AL.
Vacancy and permits, Lee, AL
10,183 of 79,619 Lee, AL housing units are vacant; Lee, AL permits, twelve months: 734 multifamily units in Lee, AL, 1,946 one-to-four unit units.
Work Lee, AL at the parcel level
Every Lee, AL parcel carries owner and address; every Lee, AL parcel carries APN; Lee, AL distress scores sit on the Lee, AL live board.
Lee, AL figures refresh with each source.
Lee, AL questions
Most distressed ZIP code in Lee County, AL?
ZIP 36849 leads Lee, AL at 27/100; next in Lee, AL: 36865 at 27/100; the Lee, AL average is 23/100.
Where does Lee County, AL rank for investment opportunity?
Lee, AL is #1,564 among all ranked counties, #57 in Alabama; the Lee, AL driver is vacancy; Lee, AL moved up 618 places.
How many mortgages are delinquent in Lee County, AL?
0.5% of Lee, AL mortgages were ninety-plus days late in December 2025; the Lee, AL peak since 2008 was 3.8%.
Which banks lend in Lee County, AL?
8 watched lenders hold Lee, AL branches; the largest Lee, AL footprints are Auburnbank (5), River Bank&Trust (3), Regions Bank (2).
More on Lee, AL
Lee County, AL distress report: public-record figures for Lee, AL; not legal advice for Lee, AL; not tax or investment advice; verify every Lee, AL record before acting.