Madison County, AL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Madison County, Alabama? DLRadar grades every Madison County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 32/100. Here is the 2026 Madison County breakdown.
- Madison County's most distressed ZIP is 35741 at 32/100.
- 25 ZIP codes tracked in Madison County, averaging 32/100 distress.
- Madison County reads peak — home values up 2.9% year over year.
- Vacancy runs 7.2% across Madison County's tracked ZIPs, with a 10.3% poverty rate.
- The typical Madison County home is worth about $284,787 against a ~$89,135 median income.
- Lending headwind in Madison County sits at 47/100 — a forward read on distressed supply.
Based on DLRadar's public-record distress index, updated every month. Free to cite with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 35741 | 32/100 |
| 2 | 35748 | 32/100 |
| 3 | 35750 | 32/100 |
| 4 | 35757 | 32/100 |
| 5 | 35758 | 32/100 |
| 6 | 35759 | 32/100 |
| 7 | 35760 | 32/100 |
| 8 | 35761 | 32/100 |
| 9 | 35763 | 32/100 |
| 10 | 35773 | 32/100 |
| 11 | 35801 | 32/100 |
| 12 | 35802 | 32/100 |
Most distressed ZIP codes in Madison County (composite distress 0-100, 2026)
What is driving Madison County distress
The Madison County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 32/100 ZIP average. No proprietary or modelled inputs enter the score.
Madison County market phase and pricing
Phase for Madison County: peak (+2.9% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Madison County
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Common questions
Which ZIP code leads Madison County on distress?
ZIP 35741 leads Madison County at 32/100, recomputed monthly from public records.
Is Madison County expanding or contracting?
The market phase for Madison County is peak, prices rising 2.9% on the year — derived from the FHFA House Price Index path.
Where does the Madison County data come from?
Every Madison County figure traces to a public source — FHFA House Price Index for the peak trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 25 Madison County ZIP codes that it runs on every other U.S. county, so Madison County's numbers are directly comparable to any other market.
How much do distress scores vary between Madison County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Madison County ZIPs DLRadar ranks, scores run from 32/100 in 35741 down to 32/100 in 35802, against a Madison County average of 32/100. Because the gap runs to 0 points, Madison County rewards ZIP-level precision.
What do Madison County home values and vacancy say about distressed supply?
The typical Madison County home carries about $284,787 of value against a median household income near $89,135. Vacancy across Madison County's tracked ZIPs runs 7.2% and the poverty rate is 10.3%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Madison County's foreclosure and lien data and its 47/100 lending headwind.
Related
Formula-driven readings of public documents. Not investment, legal or financial advice of any kind; figures refresh from the live index each month.