Morgan County, AL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Morgan County, AL distress report, 2026: 16 ZIPs scored in Morgan, AL, Morgan, AL average 23/100; the top Morgan, AL ZIP is 35650 at 28/100; Morgan, AL market phase peak, Morgan, AL prices +1.3% year over year.
- Morgan, AL ranks #2,083 nationally (opportunity index); Morgan, AL #64 in Alabama; Morgan, AL index 27.4.
- Morgan, AL: no CFPB county sample; Morgan, AL metro area reading 0.9%.
- Morgan, AL ZIP phases: 16 peak.
- Morgan, AL residential listings tracked: 30 across 8 ZIPs; Morgan, AL candidate listings 8.
- Morgan, AL HUD assisted properties: 7 with 307 units.
- Morgan, AL lenders on watch: 8; largest Morgan, AL footprint Peoples Bank Of Alabama (5 branches).
- Morgan, AL most distressed ZIP: 35650 at 28/100.
Morgan, AL figures: DLRadar distress index; Morgan, AL inputs: CFPB, FHFA, HUD, FDIC; Morgan, AL rebuilt as sources refresh.
| Rank | Morgan, AL ZIP | Score |
|---|---|---|
| 1 | 35650 | 28/100 |
| 2 | 35175 | 25/100 |
| 3 | 35016 | 24/100 |
| 4 | 35619 | 23/100 |
| 5 | 35673 | 23/100 |
| 6 | 35601 | 22/100 |
| 7 | 35603 | 22/100 |
| 8 | 35621 | 22/100 |
| 9 | 35640 | 22/100 |
| 10 | 35670 | 22/100 |
| 11 | 35754 | 22/100 |
| 12 | 35775 | 22/100 |
Most distressed Morgan, AL ZIPs (0-100, 2026)
Mortgage delinquency around Morgan, AL
No CFPB county sample covers Morgan, AL; the metro area reading for Morgan, AL (Decatur, AL): 0.9% ninety-plus; Morgan, AL area thirty-to-eighty-nine 3.1% (December 2025, Morgan, AL); Alabama overall 1.1%.
Opportunity index: Morgan, AL
Morgan, AL index 27.4, Morgan, AL phase weak; Morgan, AL primary driver bank institutional, Morgan, AL second driver vacancy. Morgan, AL components: property stress 16.2, foreclosure pressure 15.0, listing discounts 38.6, bank stress 56.3, insurance 0.0; Morgan, AL pulse 27.4; Morgan, AL capital opportunity 27.4.
ZIP market phases inside Morgan, AL
16 Morgan, AL ZIPs carry a price-cycle phase; Morgan, AL ZIPs by phase (Morgan, AL), deepest drawdown first: peak, +3.1% YoY (Morgan, AL): 35016; peak, +2.5% YoY (Morgan, AL): 35019; peak, +2.4% YoY (Morgan, AL): 35087; peak, +2.9% YoY (Morgan, AL): 35175; peak, +3.2% YoY (Morgan, AL): 35179; peak, +1.3% YoY (Morgan, AL): 35601, 35603, 35619, 35621, Morgan, AL 35640, 35650, 35670, 35673, Morgan, AL 35754, 35775; peak, +1.6% YoY (Morgan, AL): 35622.
Residential listings by Morgan, AL ZIP
Morgan, AL ZIPs with the most tracked Morgan, AL residential listings: 35601 15 listings, 1 candidates, bank pressure 59; 35640 7 listings, 3 candidates, bank pressure 59; 35603 4 listings, 2 candidates, bank pressure 63; 35670 2 listings, 0 candidates, bank pressure 59 (Morgan, AL); 35622 1 listings, 1 candidates, bank pressure 60; 35754 1 listings, 1 candidates, bank pressure 60; 35621 0 listings, 0 candidates, bank pressure 60; 35775 0 listings, 0 candidates, bank pressure 59. Morgan, AL totals: 30 listings; Morgan, AL candidates 8; active ZIPs 6.
HUD assisted housing in Morgan, AL
7 assisted properties with 307 units sit in Morgan, AL; largest Morgan, AL properties: Presbyterian Towers (Decatur) 102 units, 101 assisted; Wesley Acres (Decatur) 100 units, 100 assisted; Dogwood Apartments (Decatur) 60 units, 60 assisted in Morgan, AL; Wesley Acres Addition (Decatur) 20 units, 20 assisted; Hartselle Group Home (Hartselle) 10 units, 9 assisted; Ability Plus (Decatur) 8 units, 8 assisted.
Lenders with branches in Morgan, AL
Morgan, AL lenders by branch count: Peoples Bank Of Alabama (Morgan, AL): stress 52, 5 branches low in Morgan, AL; Bank Independent (Morgan, AL): stress 77, 4 branches low in Morgan, AL; Regions Bank (Morgan, AL): stress 57, 3 branches low in Morgan, AL; Cb&S Bank Inc (Morgan, AL): stress 87, 2 branches low in Morgan, AL; Evabank (Morgan, AL): stress 1, 2 branches low in Morgan, AL; Premier Bank Of The South (Morgan, AL): stress 74, 1 branch low in Morgan, AL; Traditions Bank (Morgan, AL): stress 67, 1 branch low in Morgan, AL; River Bank&Trust (Morgan, AL): stress 65, 1 branch low in Morgan, AL.
Vacancy and permits, Morgan, AL
4,865 of 53,905 Morgan, AL housing units are vacant; Morgan, AL permits, twelve months: 53 multifamily units in Morgan, AL, 378 one-to-four unit units.
Work Morgan, AL at the parcel level
Every Morgan, AL parcel carries owner and address; every Morgan, AL parcel carries APN; Morgan, AL distress scores sit on the Morgan, AL live board.
Morgan, AL figures refresh with each source.
Morgan, AL questions
Most distressed ZIP code in Morgan County, AL?
ZIP 35650 leads Morgan, AL at 28/100; next in Morgan, AL: 35175 at 25/100; the Morgan, AL average is 23/100.
Where does Morgan County, AL rank for investment opportunity?
Morgan, AL is #2,083 among all ranked counties, #64 in Alabama; the Morgan, AL driver is bank institutional; Morgan, AL moved up 666 places.
How many mortgages are delinquent in Morgan County, AL?
Morgan, AL takes the metro area reading of 0.9% for December 2025; no CFPB county sample covers Morgan, AL.
Which banks lend in Morgan County, AL?
8 watched lenders hold Morgan, AL branches; the largest Morgan, AL footprints are Peoples Bank Of Alabama (5), Bank Independent (4), Regions Bank (3).
More on Morgan, AL
Morgan County, AL distress report: public-record figures for Morgan, AL; not legal advice for Morgan, AL; not tax or investment advice; verify every Morgan, AL record before acting.