Tuscaloosa County, AL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Tuscaloosa County, Alabama? DLRadar grades every Tuscaloosa County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 32/100. Here is the 2026 Tuscaloosa County breakdown.
- Tuscaloosa County's most distressed ZIP is 35401 at 32/100.
- 28 ZIP codes tracked in Tuscaloosa County, averaging 29/100 distress.
- Tuscaloosa County reads contraction — home values down 1.6% year over year, 2.8% off peak.
- Vacancy runs 14.2% across Tuscaloosa County's tracked ZIPs, with a 15.5% poverty rate.
- The typical Tuscaloosa County home is worth about $206,104 against a ~$65,411 median income.
- Lending headwind in Tuscaloosa County sits at 53/100 — a forward read on distressed supply.
Data drawn from the DLRadar distress index, recomputed monthly from public filings. Cite with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 35401 | 32/100 |
| 2 | 35404 | 32/100 |
| 3 | 35405 | 32/100 |
| 4 | 35406 | 32/100 |
| 5 | 35446 | 32/100 |
| 6 | 35452 | 32/100 |
| 7 | 35453 | 32/100 |
| 8 | 35456 | 32/100 |
| 9 | 35457 | 32/100 |
| 10 | 35458 | 32/100 |
| 11 | 35473 | 32/100 |
| 12 | 35475 | 32/100 |
Most distressed ZIP codes in Tuscaloosa County (composite distress 0-100, 2026)
What is driving Tuscaloosa County distress
Tuscaloosa County's placement in the national index rests on public filings — a 29/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Tuscaloosa County market phase and pricing
Tuscaloosa County currently sits in contraction after a 1.6% decline in the past twelve months, 2.8% off the high. Slower absorption is the mechanism that converts price weakness into motivated supply.
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Frequently asked
Which Tuscaloosa County ZIP scores worst for distress?
ZIP 35401 leads Tuscaloosa County at 32/100, recomputed monthly from public records.
How would you describe the Tuscaloosa County market phase?
Tuscaloosa County reads contraction, with home prices down 1.6% year over year. Phase comes from FHFA House Price Index trajectory.
How is the Tuscaloosa County data sourced?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 28 Tuscaloosa County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Tuscaloosa County ZIP codes?
Averaging the county conceals how uneven it is. Across the Tuscaloosa County ZIPs DLRadar ranks, scores run from 32/100 in 35401 down to 32/100 in 35475, against a Tuscaloosa County average of 29/100. The 0-point range is the argument for ZIP-level search across Tuscaloosa County.
What do Tuscaloosa County home values and vacancy say about distressed supply?
The typical Tuscaloosa County home carries about $206,104 of value against a median household income near $65,411. Vacancy across Tuscaloosa County's tracked ZIPs runs 14.2% and the poverty rate is 15.5%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Tuscaloosa County's foreclosure and lien filings and its 53/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.