Montgomery County, AL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Montgomery County, AL distress report, 2026: 28 ZIPs scored in Montgomery, AL, Montgomery, AL average 30/100; the top Montgomery, AL ZIP is 36013 at 32/100; Montgomery, AL market phase expansion, Montgomery, AL prices +5.4% year over year.
- Montgomery, AL ranks #357 nationally (opportunity index); Montgomery, AL #13 in Alabama; Montgomery, AL index 34.3.
- Montgomery, AL ninety-day mortgage delinquency 1.3% in December 2025; Montgomery, AL twelve-month change +0.4%.
- Montgomery, AL ZIP phases: 27 expansion, 1 neutral.
- Montgomery, AL residential listings tracked: 268 across 22 ZIPs; Montgomery, AL candidate listings 103.
- Montgomery, AL HUD assisted properties: 25 with 2,773 units.
- Montgomery, AL lenders on watch: 7; largest Montgomery, AL footprint Regions Bank (11 branches).
- Montgomery, AL most distressed ZIP: 36013 at 32/100.
Montgomery, AL figures: DLRadar distress index; Montgomery, AL inputs: CFPB, FHFA, HUD, FDIC; Montgomery, AL rebuilt as sources refresh.
| Rank | Montgomery, AL ZIP | Score |
|---|---|---|
| 1 | 36013 | 32/100 |
| 2 | 36057 | 32/100 |
| 3 | 36064 | 32/100 |
| 4 | 36101 | 32/100 |
| 5 | 36104 | 32/100 |
| 6 | 36105 | 32/100 |
| 7 | 36106 | 32/100 |
| 8 | 36107 | 32/100 |
| 9 | 36108 | 32/100 |
| 10 | 36109 | 32/100 |
| 11 | 36110 | 32/100 |
| 12 | 36111 | 32/100 |
Most distressed Montgomery, AL ZIPs (0-100, 2026)
Mortgage delinquency in Montgomery, AL
1.3% of Montgomery, AL mortgages were ninety-plus days late (Montgomery, AL, December 2025); Montgomery, AL thirty-to-eighty-nine days late: 3.2%; Montgomery, AL twelve-month change +0.4%; Montgomery, AL peak since 2008: 4.7% (January 2011); Alabama overall 1.1%. Montgomery, AL ninety-day series: Dec 24 0.9, Jan 25 1.1, Feb 25 1.1 (Montgomery, AL), Mar 25 1.1, Apr 25 0.8, May 25 0.7 (Montgomery, AL), Jun 25 0.9, Jul 25 0.9, Aug 25 0.9 (Montgomery, AL), Sep 25 0.9, Oct 25 1.1, Nov 25 1.2 (Montgomery, AL), Dec 25 1.3.
Opportunity index: Montgomery, AL
Montgomery, AL index 34.3, Montgomery, AL phase peak_opportunity; Montgomery, AL primary driver vacancy, Montgomery, AL second driver bank institutional. Montgomery, AL components: property stress 22.9, foreclosure pressure 20.4, listing discounts 46.1, bank stress 58.7, insurance 0.0; Montgomery, AL pulse 36.3; Montgomery, AL capital opportunity 31.4; Montgomery, AL seven-day change +0.2%.
ZIP market phases inside Montgomery, AL
28 Montgomery, AL ZIPs carry a price-cycle phase; Montgomery, AL ZIPs by phase (Montgomery, AL), deepest drawdown first: expansion, +5.4% YoY, 1.4% off peak (Montgomery, AL): 36013, 36043, 36047, 36054, Montgomery, AL 36057, 36064, 36101, 36104, Montgomery, AL 36105, 36106, 36107, 36108, Montgomery, AL 36109, 36110, 36111, 36112.
Residential listings by Montgomery, AL ZIP
Montgomery, AL ZIPs with the most tracked Montgomery, AL residential listings: 36117 49 listings, 15 candidates, bank pressure 63; 36109 43 listings, 7 candidates, bank pressure 63; 36116 43 listings, 15 candidates, bank pressure 63; 36106 35 listings, 26 candidates, bank pressure 63 (Montgomery, AL); 36111 24 listings, 13 candidates, bank pressure 63; 36105 18 listings, 4 candidates, bank pressure 63; 36107 14 listings, 7 candidates, bank pressure 63; 36108 11 listings, 3 candidates, bank pressure 63. Montgomery, AL totals: 268 listings; Montgomery, AL candidates 103; active ZIPs 2.
HUD assisted housing in Montgomery, AL
25 assisted properties with 2,773 units sit in Montgomery, AL; largest Montgomery, AL properties: Saddleback I, Ii, And Iii (Montgomery) 360 units; Highland Village Apartments (Montgomery) 300 units; Reserve Apartments (Montgomery) 288 units in Montgomery, AL; Broadstreet At Eastchase (Montgomery) 272 units; Morgan At Eastchase Apartments (Mongtomery) 216 units; Legacy At Festival Apartments (Montgomery) 184 units.
Lenders with branches in Montgomery, AL
Montgomery, AL lenders by branch count: Regions Bank (Montgomery, AL): stress 57, 11 branches moderate in Montgomery, AL; Brantley Bank&Trust Co (Montgomery, AL): stress 82, 2 branches low in Montgomery, AL; River Bank&Trust (Montgomery, AL): stress 65, 2 branches moderate in Montgomery, AL; Servisfirst Bank (Montgomery, AL): stress 50, 2 branches moderate in Montgomery, AL; Cb&S Bank Inc (Montgomery, AL): stress 87, 1 branch low in Montgomery, AL; Marion Community Bank (Montgomery, AL): stress 80, 1 branch moderate in Montgomery, AL; Amerifirst Bank (Montgomery, AL): stress 68, 1 branch moderate in Montgomery, AL.
Vacancy and permits, Montgomery, AL
14,740 of 106,121 Montgomery, AL housing units are vacant; Montgomery, AL permits, twelve months: 25 multifamily units in Montgomery, AL, 501 one-to-four unit units.
Work Montgomery, AL at the parcel level
Every Montgomery, AL parcel carries owner and address; every Montgomery, AL parcel carries APN; Montgomery, AL distress scores sit on the Montgomery, AL live board.
Montgomery, AL figures refresh with each source.
Montgomery, AL questions
Most distressed ZIP code in Montgomery County, AL?
ZIP 36013 leads Montgomery, AL at 32/100; next in Montgomery, AL: 36057 at 32/100; the Montgomery, AL average is 30/100.
Where does Montgomery County, AL rank for investment opportunity?
Montgomery, AL is #357 among all ranked counties, #13 in Alabama; the Montgomery, AL driver is vacancy; Montgomery, AL moved up 437 places.
How many mortgages are delinquent in Montgomery County, AL?
1.3% of Montgomery, AL mortgages were ninety-plus days late in December 2025; the Montgomery, AL peak since 2008 was 4.7%.
Which banks lend in Montgomery County, AL?
7 watched lenders hold Montgomery, AL branches; the largest Montgomery, AL footprints are Regions Bank (11), Brantley Bank&Trust Co (2), River Bank&Trust (2).
More on Montgomery, AL
Montgomery County, AL distress report: public-record figures for Montgomery, AL; not legal advice for Montgomery, AL; not tax or investment advice; verify every Montgomery, AL record before acting.