Mobile County, AL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Mobile County, AL distress report, 2026: 39 ZIPs scored in Mobile, AL, Mobile, AL average 37/100; the top Mobile, AL ZIP is 36505 at 37/100; Mobile, AL market phase peak, Mobile, AL prices +1.0% year over year.
- Mobile, AL ranks #318 nationally (opportunity index); Mobile, AL #10 in Alabama; Mobile, AL index 34.6.
- Mobile, AL ninety-day mortgage delinquency 1.6% in December 2025; Mobile, AL twelve-month change +0.5%.
- Mobile, AL ZIP phases: 39 peak.
- Mobile, AL residential listings tracked: 351 across 38 ZIPs; Mobile, AL candidate listings 141.
- Mobile, AL HUD assisted properties: 51 with 3,700 units.
- Mobile, AL lenders on watch: 8; largest Mobile, AL footprint Regions Bank (24 branches).
- Mobile, AL most distressed ZIP: 36505 at 37/100.
Mobile, AL figures: DLRadar distress index; Mobile, AL inputs: CFPB, FHFA, HUD, FDIC; Mobile, AL rebuilt as sources refresh.
| Rank | Mobile, AL ZIP | Score |
|---|---|---|
| 1 | 36505 | 37/100 |
| 2 | 36509 | 37/100 |
| 3 | 36512 | 37/100 |
| 4 | 36521 | 37/100 |
| 5 | 36523 | 37/100 |
| 6 | 36525 | 37/100 |
| 7 | 36528 | 37/100 |
| 8 | 36541 | 37/100 |
| 9 | 36544 | 37/100 |
| 10 | 36560 | 37/100 |
| 11 | 36568 | 37/100 |
| 12 | 36571 | 37/100 |
Most distressed Mobile, AL ZIPs (0-100, 2026)
Mortgage delinquency in Mobile, AL
1.6% of Mobile, AL mortgages were ninety-plus days late (Mobile, AL, December 2025); Mobile, AL thirty-to-eighty-nine days late: 4.1%; Mobile, AL twelve-month change +0.5%; Mobile, AL peak since 2008: 5.3% (February 2012); Alabama overall 1.1%. Mobile, AL ninety-day series: Dec 24 1.1, Jan 25 1.2, Feb 25 1.3 (Mobile, AL), Mar 25 1.2, Apr 25 1.1, May 25 1.3 (Mobile, AL), Jun 25 1.3, Jul 25 1.2, Aug 25 1.4 (Mobile, AL), Sep 25 1.7, Oct 25 1.2, Nov 25 1.4 (Mobile, AL), Dec 25 1.6.
Opportunity index: Mobile, AL
Mobile, AL index 34.6, Mobile, AL phase peak_opportunity; Mobile, AL primary driver construction, Mobile, AL second driver vacancy. Mobile, AL components: property stress 23.9, foreclosure pressure 22.6, listing discounts 42.5, bank stress 54.3, insurance 0.0; Mobile, AL pulse 36.9; Mobile, AL capital opportunity 31.1; Mobile, AL seven-day change +0.2%.
ZIP market phases inside Mobile, AL
39 Mobile, AL ZIPs carry a price-cycle phase; Mobile, AL ZIPs by phase (Mobile, AL), deepest drawdown first: peak, +1.0% YoY (Mobile, AL): 36505, 36509, 36512, 36521, Mobile, AL 36523, 36525, 36528, 36541, Mobile, AL 36544, 36560, 36568, 36571, Mobile, AL 36572, 36575; peak, +3.1% YoY (Mobile, AL): 36513; peak, +1.9% YoY (Mobile, AL): 36522.
Residential listings by Mobile, AL ZIP
Mobile, AL ZIPs with the most tracked Mobile, AL residential listings: 36695 67 listings, 15 candidates, bank pressure 63; 36608 32 listings, 15 candidates, bank pressure 63; 36605 25 listings, 13 candidates, bank pressure 63; 36582 22 listings, 13 candidates, bank pressure 63 (Mobile, AL); 36619 20 listings, 8 candidates, bank pressure 63; 36693 20 listings, 6 candidates, bank pressure 63; 36618 18 listings, 4 candidates, bank pressure 63; 36609 17 listings, 5 candidates, bank pressure 63. Mobile, AL totals: 351 listings; Mobile, AL candidates 141; active ZIPs 1.
HUD assisted housing in Mobile, AL
51 assisted properties with 3,700 units sit in Mobile, AL; largest Mobile, AL properties: Charleston Apartments (Mobile) 384 units; Lenox Gates (Mobile) 228 units; Dauphin North Apartments (Mobile) 223 units, 213 assisted in Mobile, AL; Regency Gates (Mobile) 216 units; Longleaf Pines Apartments (Mobile) 199 units; Crossings At Cottage Hill (Mobile) 182 units.
Lenders with branches in Mobile, AL
Mobile, AL lenders by branch count: Regions Bank (Mobile, AL): stress 57, 24 branches low in Mobile, AL; River Bank&Trust (Mobile, AL): stress 65, 3 branches low in Mobile, AL; Commonwealth National Bank (Mobile, AL): stress 85, 2 branches moderate in Mobile, AL; 22nd State Banking Co (Mobile, AL): stress 75, 2 branches moderate in Mobile, AL; Servisfirst Bank (Mobile, AL): stress 50, 2 branches low in Mobile, AL; First National Bank&Trust (Mobile, AL): stress 88, 1 branch moderate in Mobile, AL; Oakworth Capital Bank (Mobile, AL): stress 70, 1 branch moderate in Mobile, AL; Bryant Bank (Mobile, AL): stress 61, 1 branch moderate in Mobile, AL.
Vacancy and permits, Mobile, AL
24,417 of 186,082 Mobile, AL housing units are vacant; Mobile, AL permits, twelve months: 53 multifamily units in Mobile, AL, 1,134 one-to-four unit units.
Work Mobile, AL at the parcel level
Every Mobile, AL parcel carries owner and address; every Mobile, AL parcel carries APN; Mobile, AL distress scores sit on the Mobile, AL live board.
Mobile, AL figures refresh with each source.
Mobile, AL questions
Most distressed ZIP code in Mobile County, AL?
ZIP 36505 leads Mobile, AL at 37/100; next in Mobile, AL: 36509 at 37/100; the Mobile, AL average is 37/100.
Where does Mobile County, AL rank for investment opportunity?
Mobile, AL is #318 among all ranked counties, #10 in Alabama; the Mobile, AL driver is construction; Mobile, AL moved up 345 places.
How many mortgages are delinquent in Mobile County, AL?
1.6% of Mobile, AL mortgages were ninety-plus days late in December 2025; the Mobile, AL peak since 2008 was 5.3%.
Which banks lend in Mobile County, AL?
8 watched lenders hold Mobile, AL branches; the largest Mobile, AL footprints are Regions Bank (24), River Bank&Trust (3), Commonwealth National Bank (2).
More on Mobile, AL
Mobile County, AL distress report: public-record figures for Mobile, AL; not legal advice for Mobile, AL; not tax or investment advice; verify every Mobile, AL record before acting.