Monroe County, AL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Monroe County, Alabama? DLRadar grades every Monroe County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 31/100. Here is the 2026 Monroe County breakdown.
- Monroe County's most distressed ZIP is 36502 at 31/100.
- 17 ZIP codes tracked in Monroe County, averaging 21/100 distress.
- Monroe County reads expansion — home values up 5.0% year over year.
- Vacancy runs 35.9% across Monroe County's tracked ZIPs, with a 20.6% poverty rate.
- The typical Monroe County home is worth about $113,100 against a ~$40,605 median income.
- Lending headwind in Monroe County sits at 47/100 — a forward read on distressed supply.
All figures come from the monthly DLRadar distress index built on public records. Attribution to DLRadar (dlradar.com) appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 36502 | 31/100 |
| 2 | 36033 | 24/100 |
| 3 | 36726 | 23/100 |
| 4 | 36425 | 21/100 |
| 5 | 36439 | 21/100 |
| 6 | 36444 | 21/100 |
| 7 | 36445 | 21/100 |
| 8 | 36460 | 21/100 |
| 9 | 36470 | 21/100 |
| 10 | 36471 | 21/100 |
| 11 | 36480 | 21/100 |
| 12 | 36481 | 21/100 |
Most distressed ZIP codes in Monroe County (composite distress 0-100, 2026)
What is driving Monroe County distress
Monroe County's placement in the national index rests on public filings — a 21/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Monroe County market phase and pricing
Monroe County reads expansion — home prices rose 5.0% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
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Questions and answers
What is the most distressed ZIP code in Monroe County, AL?
ZIP 36502 leads Monroe County at 31/100, recomputed monthly from public records.
Where is Monroe County in the housing cycle?
The market phase for Monroe County is expansion, prices rising 5.0% on the year — derived from the FHFA House Price Index path.
What is this Monroe County analysis built from?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 17 Monroe County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Monroe County ZIP codes?
One county number flattens a wide range. Across the Monroe County ZIPs DLRadar ranks, scores run from 31/100 in 36502 down to 21/100 in 36481, against a Monroe County average of 21/100. With 10 points between best and worst, county-level targeting in Monroe County wastes effort.
What do Monroe County home values and vacancy say about distressed supply?
The typical Monroe County home carries about $113,100 of value against a median household income near $40,605. Vacancy across Monroe County's tracked ZIPs runs 35.9% and the poverty rate is 20.6%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Monroe County's foreclosure and tax-lien filings and its 47/100 lending headwind.
Related
These scores come from public filings run through fixed formulas. Nothing here is investment, legal or financial advice; the index refreshes monthly.