St. Clair County, AL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in St. Clair County, Alabama? DLRadar grades every St. Clair County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 30/100. Here is the 2026 St. Clair County breakdown.
- St. Clair County's most distressed ZIP is 35004 at 30/100.
- 18 ZIP codes tracked in St. Clair County, averaging 29/100 distress.
- St. Clair County reads peak — home values up 2.7% year over year.
- Vacancy runs 16.8% across St. Clair County's tracked ZIPs, with a 15.9% poverty rate.
- The typical St. Clair County home is worth about $213,181 against a ~$81,009 median income.
- Lending headwind in St. Clair County sits at 45/100 — a forward read on distressed supply.
Source data is DLRadar's monthly public-record index. Citation welcome, with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 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 | 35146 | 29/100 |
Most distressed ZIP codes in St. Clair County (composite distress 0-100, 2026)
What is driving St. Clair County distress
St. Clair County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 29/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
St. Clair County market phase and pricing
St. Clair County reads peak — home prices rose 2.7% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
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Questions about this county
Which St. Clair County ZIP scores worst for distress?
ZIP 35004 leads St. Clair County at 30/100, recomputed monthly from public records.
How would you describe the St. Clair County market phase?
St. Clair County currently sits in peak, with values up 2.7% year on year, based on FHFA price-index trajectory.
Which datasets feed the St. Clair County scores?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 18 St. Clair County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between St. Clair County ZIP codes?
County-level numbers smooth away the detail that matters. Across the St. Clair County ZIPs DLRadar ranks, scores run from 30/100 in 35004 down to 29/100 in 35146, against a St. Clair County average of 29/100. Because the gap runs to 1 points, St. Clair County rewards ZIP-level precision.
What do St. Clair County home values and vacancy say about distressed supply?
The typical St. Clair County home carries about $213,181 of value against a median household income near $81,009. Vacancy across St. Clair County's tracked ZIPs runs 16.8% and the poverty rate is 15.9%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with St. Clair County's filings and its 45/100 lending headwind.
Related
A deterministic scoring of public filings. Nothing on this page constitutes investment, legal or financial advice. Monthly refresh from the live index.