Tuscaloosa County, AL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Tuscaloosa County, AL distress report, 2026: 28 ZIPs scored in Tuscaloosa, AL, Tuscaloosa, AL average 28/100; the top Tuscaloosa, AL ZIP is 35401 at 31/100; Tuscaloosa, AL market phase contraction, Tuscaloosa, AL prices -1.6% year over year.
- Tuscaloosa, AL ranks #833 nationally (opportunity index); Tuscaloosa, AL #36 in Alabama; Tuscaloosa, AL index 31.8.
- Tuscaloosa, AL ninety-day mortgage delinquency 2.0% in December 2025; Tuscaloosa, AL twelve-month change +0.7%.
- Tuscaloosa, AL ZIP phases: 21 contraction, 6 peak, 1 neutral.
- Tuscaloosa, AL residential listings tracked: 281 across 19 ZIPs; Tuscaloosa, AL candidate listings 131.
- Tuscaloosa, AL HUD assisted properties: 14 with 1,250 units.
- Tuscaloosa, AL lenders on watch: 8; largest Tuscaloosa, AL footprint Regions Bank (7 branches).
- Tuscaloosa, AL most distressed ZIP: 35401 at 31/100.
Tuscaloosa, AL figures: DLRadar distress index; Tuscaloosa, AL inputs: CFPB, FHFA, HUD, FDIC; Tuscaloosa, AL rebuilt as sources refresh.
| Rank | Tuscaloosa, AL ZIP | Score |
|---|---|---|
| 1 | 35401 | 31/100 |
| 2 | 35404 | 31/100 |
| 3 | 35405 | 31/100 |
| 4 | 35406 | 31/100 |
| 5 | 35444 | 31/100 |
| 6 | 35446 | 31/100 |
| 7 | 35452 | 31/100 |
| 8 | 35453 | 31/100 |
| 9 | 35456 | 31/100 |
| 10 | 35457 | 31/100 |
| 11 | 35458 | 31/100 |
| 12 | 35473 | 31/100 |
Most distressed Tuscaloosa, AL ZIPs (0-100, 2026)
Mortgage delinquency in Tuscaloosa, AL
2.0% of Tuscaloosa, AL mortgages were ninety-plus days late (Tuscaloosa, AL, December 2025); Tuscaloosa, AL thirty-to-eighty-nine days late: 4.1%; Tuscaloosa, AL twelve-month change +0.7%; Tuscaloosa, AL peak since 2008: 4.3% (January 2012); Alabama overall 1.1%. Tuscaloosa, AL ninety-day series: Dec 24 1.3, Jan 25 1.3, Feb 25 1.1 (Tuscaloosa, AL), Mar 25 1.1, Apr 25 1.0, May 25 1.1 (Tuscaloosa, AL), Jun 25 1.2, Jul 25 1.6, Aug 25 1.4 (Tuscaloosa, AL), Sep 25 1.4, Oct 25 1.4, Nov 25 1.8 (Tuscaloosa, AL), Dec 25 2.0.
Opportunity index: Tuscaloosa, AL
Tuscaloosa, AL index 31.8, Tuscaloosa, AL phase watchlist; Tuscaloosa, AL primary driver vacancy, Tuscaloosa, AL second driver bank institutional. Tuscaloosa, AL components: property stress 24.8, foreclosure pressure 20.1, listing discounts 35.0, bank stress 51.1, insurance 0.0; Tuscaloosa, AL pulse 33.8; Tuscaloosa, AL capital opportunity 28.9; Tuscaloosa, AL seven-day change +0.1%.
ZIP market phases inside Tuscaloosa, AL
28 Tuscaloosa, AL ZIPs carry a price-cycle phase; Tuscaloosa, AL ZIPs by phase (Tuscaloosa, AL), deepest drawdown first: contraction, -1.6% YoY, 2.8% off peak (Tuscaloosa, AL): 35401, 35404, 35405, 35406, Tuscaloosa, AL 35446, 35452, 35453, 35456, Tuscaloosa, AL 35457, 35458, 35463, 35466, Tuscaloosa, AL 35469, 35473, 35474, 35475.
Residential listings by Tuscaloosa, AL ZIP
Tuscaloosa, AL ZIPs with the most tracked Tuscaloosa, AL residential listings: 35405 77 listings, 11 candidates, bank pressure 63; 35444 60 listings, 60 candidates, bank pressure 63; 35401 37 listings, 14 candidates, bank pressure 63; 35406 30 listings, 8 candidates, bank pressure 63 (Tuscaloosa, AL); 35473 27 listings, 18 candidates, bank pressure 63; 35404 18 listings, 6 candidates, bank pressure 63; 35475 17 listings, 11 candidates, bank pressure 63; 35453 4 listings, 2 candidates, bank pressure 63. Tuscaloosa, AL totals: 281 listings; Tuscaloosa, AL candidates 131; active ZIPs 3.
HUD assisted housing in Tuscaloosa, AL
14 assisted properties with 1,250 units sit in Tuscaloosa, AL; largest Tuscaloosa, AL properties: Forest Trail Apartments (Northport) 248 units; Legacy At Country Club Apartments (Tuscaloosa) 224 units; Rosedale Iii Apartments (Tuscaloosa) 128 units in Tuscaloosa, AL; Creekwood Village Apts. (Tuscaloosa) 125 units, 122 assisted; Mcconnell Hills (Tuscaloosa) 100 units, 100 assisted; Presbyterian Apts - Northport (Northport) 98 units, 98 assisted.
Lenders with branches in Tuscaloosa, AL
Tuscaloosa, AL lenders by branch count: Regions Bank (Tuscaloosa, AL): stress 57, 7 branches moderate in Tuscaloosa, AL; Bryant Bank (Tuscaloosa, AL): stress 61, 4 branches moderate in Tuscaloosa, AL; First Federal Bank A Fsb (Tuscaloosa, AL): stress 84, 3 branches moderate in Tuscaloosa, AL; West Alabama Bank&Trust (Tuscaloosa, AL): stress 63, 2 branches moderate in Tuscaloosa, AL; Robertson Banking Co (Tuscaloosa, AL): stress 46, 2 branches moderate in Tuscaloosa, AL; Cb&S Bank Inc (Tuscaloosa, AL): stress 87, 1 branch moderate in Tuscaloosa, AL; First Financial Bank (Tuscaloosa, AL): stress 80, 1 branch low in Tuscaloosa, AL; First Us Bank (Tuscaloosa, AL): stress 77, 1 branch moderate in Tuscaloosa, AL.
Vacancy and permits, Tuscaloosa, AL
14,238 of 104,290 Tuscaloosa, AL housing units are vacant; Tuscaloosa, AL permits, twelve months: 105 multifamily units in Tuscaloosa, AL, 476 one-to-four unit units.
Work Tuscaloosa, AL at the parcel level
Every Tuscaloosa, AL parcel carries owner and address; every Tuscaloosa, AL parcel carries APN; Tuscaloosa, AL distress scores sit on the Tuscaloosa, AL live board.
Tuscaloosa, AL figures refresh with each source.
Tuscaloosa, AL questions
Most distressed ZIP code in Tuscaloosa County, AL?
ZIP 35401 leads Tuscaloosa, AL at 31/100; next in Tuscaloosa, AL: 35404 at 31/100; the Tuscaloosa, AL average is 28/100.
Where does Tuscaloosa County, AL rank for investment opportunity?
Tuscaloosa, AL is #833 among all ranked counties, #36 in Alabama; the Tuscaloosa, AL driver is vacancy; Tuscaloosa, AL moved up 614 places.
How many mortgages are delinquent in Tuscaloosa County, AL?
2.0% of Tuscaloosa, AL mortgages were ninety-plus days late in December 2025; the Tuscaloosa, AL peak since 2008 was 4.3%.
Which banks lend in Tuscaloosa County, AL?
8 watched lenders hold Tuscaloosa, AL branches; the largest Tuscaloosa, AL footprints are Regions Bank (7), Bryant Bank (4), First Federal Bank A Fsb (3).
More on Tuscaloosa, AL
Tuscaloosa County, AL distress report: public-record figures for Tuscaloosa, AL; not legal advice for Tuscaloosa, AL; not tax or investment advice; verify every Tuscaloosa, AL record before acting.