St. Clair County, AL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
St. Clair County, AL distress report, 2026: 18 ZIPs scored in St. Clair, AL, St. Clair, AL average 29/100; the top St. Clair, AL ZIP is 35004 at 30/100; St. Clair, AL market phase peak, St. Clair, AL prices +2.7% year over year.
- St. Clair, AL ranks #1,002 nationally (opportunity index); St. Clair, AL #38 in Alabama; St. Clair, AL index 31.2.
- St. Clair, AL: no CFPB county sample; St. Clair, AL metro area reading 1.0%.
- St. Clair, AL ZIP phases: 18 peak.
- St. Clair, AL residential listings tracked: 45 across 12 ZIPs; St. Clair, AL candidate listings 24.
- St. Clair, AL HUD assisted properties: 1 with 192 units.
- St. Clair, AL lenders on watch: 4; largest St. Clair, AL footprint Metro Bank (6 branches).
- St. Clair, AL most distressed ZIP: 35004 at 30/100.
St. Clair, AL figures: DLRadar distress index; St. Clair, AL inputs: CFPB, FHFA, HUD, FDIC; St. Clair, AL rebuilt as sources refresh.
| Rank | St. Clair, AL ZIP | Score |
|---|---|---|
| 1 | 35004 | 30/100 |
| 2 | 35052 | 30/100 |
| 3 | 35054 | 30/100 |
| 4 | 35112 | 30/100 |
| 5 | 35120 | 30/100 |
| 6 | 35125 | 30/100 |
| 7 | 35128 | 30/100 |
| 8 | 35131 | 30/100 |
| 9 | 35135 | 30/100 |
| 10 | 35953 | 30/100 |
| 11 | 35987 | 30/100 |
| 12 | 35094 | 29/100 |
Most distressed St. Clair, AL ZIPs (0-100, 2026)
Mortgage delinquency around St. Clair, AL
No CFPB county sample covers St. Clair, AL; the metro area reading for St. Clair, AL (Birmingham, AL): 1.0% ninety-plus; St. Clair, AL area thirty-to-eighty-nine 3.2% (December 2025, St. Clair, AL); Alabama overall 1.1%.
Opportunity index: St. Clair, AL
St. Clair, AL index 31.2, St. Clair, AL phase watchlist; St. Clair, AL primary driver bank institutional, St. Clair, AL second driver construction. St. Clair, AL components: property stress 20.0, foreclosure pressure 19.6, listing discounts 36.5, bank stress 56.0, insurance 0.0; St. Clair, AL pulse 33.8; St. Clair, AL capital opportunity 27.4.
ZIP market phases inside St. Clair, AL
18 St. Clair, AL ZIPs carry a price-cycle phase; St. Clair, AL ZIPs by phase (St. Clair, AL), deepest drawdown first: peak, +1.3% YoY, 3.0% off peak (St. Clair, AL): 35972; peak, +2.7% YoY, 0.0% off peak (St. Clair, AL): 35121; peak, +2.7% YoY (St. Clair, AL): 35004, 35052, 35054, 35094, St. Clair, AL 35112, 35120, 35125, 35128, St. Clair, AL 35131, 35133, 35135, 35146, St. Clair, AL 35173, 35178.
Residential listings by St. Clair, AL ZIP
St. Clair, AL ZIPs with the most tracked St. Clair, AL residential listings: 35120 12 listings, 3 candidates, bank pressure 63; 35128 10 listings, 10 candidates, bank pressure 64; 35125 6 listings, 4 candidates, bank pressure 63; 35146 4 listings, 0 candidates, bank pressure 63 (St. Clair, AL); 35004 3 listings, 0 candidates, bank pressure 63; 35131 3 listings, 2 candidates, bank pressure 63; 35054 2 listings, 2 candidates, bank pressure 63; 35135 2 listings, 0 candidates, bank pressure 63. St. Clair, AL totals: 45 listings; St. Clair, AL candidates 24; active ZIPs 10.
HUD assisted housing in St. Clair, AL
1 assisted properties with 192 units sit in St. Clair, AL; largest St. Clair, AL properties: Oaks Of Saint Clair Apartment Homes (Moody) 192 units.
Lenders with branches in St. Clair, AL
St. Clair, AL lenders by branch count: Metro Bank (St. Clair, AL): stress 47, 6 branches low in St. Clair, AL; Union State Bank (St. Clair, AL): stress 93, 4 branches low in St. Clair, AL; Peoples Independent Bank (St. Clair, AL): stress 64, 1 branch low in St. Clair, AL; Regions Bank (St. Clair, AL): stress 57, 1 branch low in St. Clair, AL.
Vacancy and permits, St. Clair, AL
4,140 of 39,247 St. Clair, AL housing units are vacant; St. Clair, AL permits, twelve months: 56 multifamily units in St. Clair, AL, 392 one-to-four unit units.
Work St. Clair, AL at the parcel level
Every St. Clair, AL parcel carries owner and address; every St. Clair, AL parcel carries APN; St. Clair, AL distress scores sit on the St. Clair, AL live board.
St. Clair, AL figures refresh with each source.
St. Clair, AL questions
Most distressed ZIP code in St. Clair County, AL?
ZIP 35004 leads St. Clair, AL at 30/100; next in St. Clair, AL: 35052 at 30/100; the St. Clair, AL average is 29/100.
Where does St. Clair County, AL rank for investment opportunity?
St. Clair, AL is #1,002 among all ranked counties, #38 in Alabama; the St. Clair, AL driver is bank institutional; St. Clair, AL moved up 308 places.
How many mortgages are delinquent in St. Clair County, AL?
St. Clair, AL takes the metro area reading of 1.0% for December 2025; no CFPB county sample covers St. Clair, AL.
Which banks lend in St. Clair County, AL?
4 watched lenders hold St. Clair, AL branches; the largest St. Clair, AL footprints are Metro Bank (6), Union State Bank (4), Peoples Independent Bank (1).
More on St. Clair, AL
St. Clair County, AL distress report: public-record figures for St. Clair, AL; not legal advice for St. Clair, AL; not tax or investment advice; verify every St. Clair, AL record before acting.