Madison County, AL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Madison County, AL distress report, 2026: 25 ZIPs scored in Madison, AL, Madison, AL average 32/100; the top Madison, AL ZIP is 35741 at 33/100; Madison, AL market phase peak, Madison, AL prices +2.9% year over year.
- Madison, AL ranks #1,225 nationally (opportunity index); Madison, AL #44 in Alabama; Madison, AL index 30.4.
- Madison, AL ninety-day mortgage delinquency 0.6% in December 2025; Madison, AL twelve-month change +0.1%.
- Madison, AL ZIP phases: 25 peak.
- Madison, AL residential listings tracked: 233 across 22 ZIPs; Madison, AL candidate listings 47.
- Madison, AL HUD assisted properties: 19 with 2,512 units.
- Madison, AL lenders on watch: 8; largest Madison, AL footprint Regions Bank (15 branches).
- Madison, AL most distressed ZIP: 35741 at 33/100.
Madison, AL figures: DLRadar distress index; Madison, AL inputs: CFPB, FHFA, HUD, FDIC; Madison, AL rebuilt as sources refresh.
| Rank | Madison, AL ZIP | Score |
|---|---|---|
| 1 | 35741 | 33/100 |
| 2 | 35750 | 33/100 |
| 3 | 35758 | 33/100 |
| 4 | 35759 | 33/100 |
| 5 | 35761 | 33/100 |
| 6 | 35763 | 33/100 |
| 7 | 35801 | 33/100 |
| 8 | 35802 | 33/100 |
| 9 | 35803 | 33/100 |
| 10 | 35805 | 33/100 |
| 11 | 35806 | 33/100 |
| 12 | 35808 | 33/100 |
Most distressed Madison, AL ZIPs (0-100, 2026)
Mortgage delinquency in Madison, AL
0.6% of Madison, AL mortgages were ninety-plus days late (Madison, AL, December 2025); Madison, AL thirty-to-eighty-nine days late: 2.3%; Madison, AL twelve-month change +0.1%; Madison, AL peak since 2008: 2.8% (January 2010); Alabama overall 1.1%. Madison, AL ninety-day series: Dec 24 0.5, Jan 25 0.7, Feb 25 0.6 (Madison, AL), Mar 25 0.7, Apr 25 0.6, May 25 0.8 (Madison, AL), Jun 25 0.7, Jul 25 0.5, Aug 25 0.5 (Madison, AL), Sep 25 0.4, Oct 25 0.6, Nov 25 0.7 (Madison, AL), Dec 25 0.6.
Opportunity index: Madison, AL
Madison, AL index 30.4, Madison, AL phase watchlist; Madison, AL primary driver bank institutional, Madison, AL second driver listings discount. Madison, AL components: property stress 17.0, foreclosure pressure 16.5, listing discounts 43.0, bank stress 55.0, insurance 0.0; Madison, AL pulse 30.7; Madison, AL capital opportunity 29.9; Madison, AL seven-day change +0.1%.
ZIP market phases inside Madison, AL
25 Madison, AL ZIPs carry a price-cycle phase; Madison, AL ZIPs by phase (Madison, AL), deepest drawdown first: peak, +2.9% YoY (Madison, AL): 35739, 35741, 35748, 35749, Madison, AL 35750, 35756, 35757, 35758, Madison, AL 35759, 35760, 35761, 35763, Madison, AL 35773, 35801, 35802; peak, +3.2% YoY (Madison, AL): 35776.
Residential listings by Madison, AL ZIP
Madison, AL ZIPs with the most tracked Madison, AL residential listings: 35758 38 listings, 3 candidates, bank pressure 61; 35810 24 listings, 2 candidates, bank pressure 61; 35811 23 listings, 6 candidates, bank pressure 61; 35757 16 listings, 1 candidates, bank pressure 61 (Madison, AL); 35803 15 listings, 4 candidates, bank pressure 61; 35761 14 listings, 2 candidates, bank pressure 61; 35801 14 listings, 6 candidates, bank pressure 61; 35763 12 listings, 2 candidates, bank pressure 61. Madison, AL totals: 233 listings; Madison, AL candidates 47; active ZIPs 20.
HUD assisted housing in Madison, AL
19 assisted properties with 2,512 units sit in Madison, AL; largest Madison, AL properties: Sunlake At Edgewater (Huntsville) 366 units; Weston Ranch (Madison) 336 units; 18 Watercress Green (Huntsville) 324 units in Madison, AL; Monte Sano Apartments (Huntsville) 324 units; Providence Place (Huntsville) 226 units; Main Street Apartments (Huntsville) 204 units.
Lenders with branches in Madison, AL
Madison, AL lenders by branch count: Regions Bank (Madison, AL): stress 57, 15 branches low in Madison, AL; Bank Independent (Madison, AL): stress 77, 5 branches low in Madison, AL; Cb&S Bank Inc (Madison, AL): stress 87, 4 branches low in Madison, AL; North Alabama Bank (Madison, AL): stress 55, 3 branches low in Madison, AL; Citizens Bank&Trust (Madison, AL): stress 89, 2 branches low in Madison, AL; Premier Bank Of The South (Madison, AL): stress 74, 2 branches moderate in Madison, AL; Bryant Bank (Madison, AL): stress 61, 2 branches low in Madison, AL; Servisfirst Bank (Madison, AL): stress 50, 2 branches low in Madison, AL.
Vacancy and permits, Madison, AL
13,576 of 178,607 Madison, AL housing units are vacant; Madison, AL permits, twelve months: 891 multifamily units in Madison, AL, 3,202 one-to-four unit units.
Work Madison, AL at the parcel level
Every Madison, AL parcel carries owner and address; every Madison, AL parcel carries APN; Madison, AL distress scores sit on the Madison, AL live board.
Madison, AL figures refresh with each source.
Madison, AL questions
Most distressed ZIP code in Madison County, AL?
ZIP 35741 leads Madison, AL at 33/100; next in Madison, AL: 35750 at 33/100; the Madison, AL average is 32/100.
Where does Madison County, AL rank for investment opportunity?
Madison, AL is #1,225 among all ranked counties, #44 in Alabama; the Madison, AL driver is bank institutional; Madison, AL moved up 827 places.
How many mortgages are delinquent in Madison County, AL?
0.6% of Madison, AL mortgages were ninety-plus days late in December 2025; the Madison, AL peak since 2008 was 2.8%.
Which banks lend in Madison County, AL?
8 watched lenders hold Madison, AL branches; the largest Madison, AL footprints are Regions Bank (15), Bank Independent (5), Cb&S Bank Inc (4).
More on Madison, AL
Madison County, AL distress report: public-record figures for Madison, AL; not legal advice for Madison, AL; not tax or investment advice; verify every Madison, AL record before acting.