Morgan County, AL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Morgan County, Alabama? DLRadar grades every Morgan County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 25/100. Here is the 2026 Morgan County breakdown.
- Morgan County's most distressed ZIP is 35175 at 25/100.
- 16 ZIP codes tracked in Morgan County, averaging 22/100 distress.
- Morgan County reads peak — home values up 1.3% year over year.
- Vacancy runs 11.1% across Morgan County's tracked ZIPs, with a 13.4% poverty rate.
- The typical Morgan County home is worth about $187,563 against a ~$64,703 median income.
- Lending headwind in Morgan County sits at 35/100 — a forward read on distressed supply.
All numbers: DLRadar's monthly public-record distress index. Reuse is welcome with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 35175 | 25/100 |
| 2 | 35016 | 24/100 |
| 3 | 35650 | 24/100 |
| 4 | 35619 | 23/100 |
| 5 | 35673 | 23/100 |
| 6 | 35179 | 22/100 |
| 7 | 35754 | 22/100 |
| 8 | 35019 | 21/100 |
| 9 | 35087 | 21/100 |
| 10 | 35601 | 21/100 |
| 11 | 35603 | 21/100 |
| 12 | 35621 | 21/100 |
Most distressed ZIP codes in Morgan County (composite distress 0-100, 2026)
What is driving Morgan County distress
The Morgan County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 22/100 ZIP average. No proprietary or modelled inputs enter the score.
Morgan County market phase and pricing
Morgan County reads peak — home prices rose 1.3% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Morgan County
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Frequently asked questions
Which part of Morgan County, AL scores highest for distress?
ZIP 35175 leads Morgan County at 25/100, recomputed monthly from public records.
Is Morgan County expanding or contracting?
Morgan County currently sits in peak, with values up 1.3% year on year, based on FHFA price-index trajectory.
Where does the Morgan County data come from?
Every Morgan County figure traces to a public source — FHFA House Price Index for the peak trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 16 Morgan County ZIP codes that it runs on every other U.S. county, so Morgan County's numbers are directly comparable to any other market.
How much do distress scores vary between Morgan County ZIP codes?
One county number flattens a wide range. Across the Morgan County ZIPs DLRadar ranks, scores run from 25/100 in 35175 down to 21/100 in 35621, against a Morgan County average of 22/100. With 4 points between best and worst, county-level targeting in Morgan County wastes effort.
What do Morgan County home values and vacancy say about distressed supply?
The typical Morgan County home carries about $187,563 of value against a median household income near $64,703. Vacancy across Morgan County's tracked ZIPs runs 11.1% and the poverty rate is 13.4%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Morgan County's foreclosure and tax-lien filings and its 35/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.