Montgomery County, AL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Montgomery County, Alabama? DLRadar grades every Montgomery County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 33/100. Here is the 2026 Montgomery County breakdown.
- Montgomery County's most distressed ZIP is 36013 at 33/100.
- 28 ZIP codes tracked in Montgomery County, averaging 30/100 distress.
- Montgomery County reads expansion — home values up 5.4% year over year, 1.4% off peak.
- Vacancy runs 14.8% across Montgomery County's tracked ZIPs, with a 16.6% poverty rate.
- The typical Montgomery County home is worth about $197,915 against a ~$60,842 median income.
- Lending headwind in Montgomery County sits at 49/100 — a forward read on distressed supply.
Data: DLRadar public-record property-distress index, refreshed monthly. Free to cite with attribution to DLRadar (dlradar.com) — a link back is appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 36013 | 33/100 |
| 2 | 36057 | 33/100 |
| 3 | 36064 | 33/100 |
| 4 | 36101 | 33/100 |
| 5 | 36104 | 33/100 |
| 6 | 36105 | 33/100 |
| 7 | 36106 | 33/100 |
| 8 | 36107 | 33/100 |
| 9 | 36108 | 33/100 |
| 10 | 36109 | 33/100 |
| 11 | 36110 | 33/100 |
| 12 | 36111 | 33/100 |
Most distressed ZIP codes in Montgomery County (composite distress 0-100, 2026)
What is driving Montgomery County distress
Nothing here is estimated: Montgomery County is scored from filings alone, and its ZIPs average 30/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Montgomery County market phase and pricing
Phase for Montgomery County: expansion (+5.4% YoY, 1.4% off peak). As pricing power fades, listings sit longer and sellers become reachable.
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What people ask
Which part of Montgomery County, AL scores highest for distress?
ZIP 36013 leads Montgomery County at 33/100, recomputed monthly from public records.
How would you describe the Montgomery County market phase?
Montgomery County reads expansion, with home prices up 5.4% year over year. Phase comes from FHFA House Price Index trajectory.
How is the Montgomery County data sourced?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 28 Montgomery 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 Montgomery County ZIP codes?
A single county score papers over real variation. Across the Montgomery County ZIPs DLRadar ranks, scores run from 33/100 in 36013 down to 33/100 in 36111, against a Montgomery County average of 30/100. That 0-point gap is why acquisition targeting in Montgomery County works at ZIP level rather than county level.
What do Montgomery County home values and vacancy say about distressed supply?
The typical Montgomery County home carries about $197,915 of value against a median household income near $60,842. Vacancy across Montgomery County's tracked ZIPs runs 14.8% and the poverty rate is 16.6%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Montgomery County's foreclosure and tax-lien record and its 49/100 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.