Cherokee County, AL: Foreclosures, Tax Liens & Distressed Properties

Cherokee County, AL, Alabama: 11 ZIP codes scored, Cherokee County, AL averaging 29/100 (low, Cherokee, AL), from 27 to 31. Cherokee County, AL is in its expansion phase (Cherokee, AL confidence 34/100): Cherokee, AL home prices up 5.0% (Cherokee, AL) over twelve months. Cherokee County, AL lender headwind: 69/100.

Highest-scoring Cherokee County, AL ZIPs: 35959 (31/100), 35960 (31/100), 35973 (31/100), 35983 (31/100), 36272 (29/100), 35984 (28/100). Also scored in Cherokee County, AL: 30165, 35901, 35903, 35961, 35967.

Across Cherokee County, AL's scored ZIPs: median home value $160,500, household income $54,094, 24.7% vacancy, 16.9% poverty, 74% owner-occupied, median age 44.0.

Cherokee County, AL insurance distress 72/100 (#588 in the US); FEMA hazard 73/100 for Cherokee, AL; 2 federal disaster declarations in Cherokee County, AL since 2023 (2 hurricane); 1 Cherokee, AL NFIP flood claims, $61K paid; Cherokee, AL construction distress 83/100.

6 banks with 8 branches lend in Cherokee County, AL; Cherokee, AL weighted bank stress 69/100, highest 93/100 in Cherokee, AL.

Cherokee County, AL unemployment 3.6% (Cherokee, AL +0.4 pts, six months); 25 new housing units permitted in Cherokee County, AL over twelve months, Cherokee, AL down 36% from 39; Cherokee, AL home prices +14.2% a year (Cherokee, AL) over three years.

14,702 housing units in Cherokee County, AL; 2,153 Cherokee, AL renter households; 26% of Cherokee, AL renters spend 30%+ of income on rent, 4% (Cherokee, AL) half or more.

Cherokee County, AL ranks #118 nationally on the opportunity index (Cherokee, AL, among all ranked counties); Cherokee, AL scores 36.8/100 and Cherokee, AL sits #5 inside Alabama. Cherokee, AL is in the strong_buy opportunity phase; Cherokee, AL's primary driver is vacancy, Cherokee, AL second driver construction; Cherokee, AL moved down 12 places. 17 short-sale listings across Cherokee, AL; 57 days on market observed in Cherokee, AL; 26.0% vacancy over 11 Cherokee, AL ZIPs.

No CFPB county sample covers Cherokee County, AL. The non-metro area reading for Cherokee, AL: 1.6% ninety-plus days late; Cherokee, AL's thirty-to-eighty-nine share is 4.7% (Cherokee, AL, December 2025 data); Alabama overall 1.1%.

Cherokee County, AL has 6 watched banks; 6 Cherokee, AL banks sit in an elevated band. Cherokee, AL footprints: Union State Bank (2 branches, stress 93) in Cherokee, AL; First Southern State Bank (2 branches, stress 65) in Cherokee, AL; Farmers&Merchants Bank (1 branch, stress 72) in Cherokee, AL.

HUD lists 1 assisted multifamily property in Cherokee County, AL with 50 units; 50 Cherokee, AL units are assisted, 1 Cherokee, AL properties under project-based Section 8.

4,510 of the 14,702 housing units in Cherokee, AL sit vacant. Cherokee County, AL permitted 0 multifamily units in twelve months; Cherokee, AL's one-to-four unit structures added 25 units in Cherokee County, AL.