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

Jefferson County, AL, Alabama: 64 ZIP codes scored, Jefferson County, AL averaging 28/100 (low, Jefferson, AL), from 23 to 30. Jefferson County, AL is in its peak phase (Jefferson, AL confidence 22/100): Jefferson, AL home prices up 2.7% (Jefferson, AL) over twelve months. Jefferson County, AL lender headwind: 46/100.

Highest-scoring Jefferson County, AL ZIPs: 35444 (30/100), 35080 (29/100), 35242 (29/100), 35005 (28/100), 35006 (28/100), 35020 (28/100). Also scored in Jefferson County, AL: 35022, 35023, 35036, 35060, 35061, 35064, 35068, 35071, 35073, 35091.

Across Jefferson County, AL's scored ZIPs: median home value $234,683, household income $77,189, 14.0% vacancy, 16.9% poverty, 69% owner-occupied, median age 38.6.

Jefferson County, AL insurance distress 82/100 (#296 in the US); FEMA hazard 87/100 for Jefferson, AL; 3 federal disaster declarations in Jefferson County, AL since 2023 (3 hurricane); 21 Jefferson, AL NFIP flood claims, $127K paid; Jefferson, AL construction distress 8/100.

39 banks with 183 branches lend in Jefferson County, AL; Jefferson, AL weighted bank stress 63/100, highest 97/100 in Jefferson, AL.

Jefferson County, AL unemployment 3.8% (Jefferson, AL +0.5 pts, six months); 2,771 new housing units permitted in Jefferson County, AL over twelve months, Jefferson, AL up 43% from 1,941; Jefferson, AL home prices +7.5% a year (Jefferson, AL) over three years.

310,789 housing units in Jefferson County, AL; 97,568 Jefferson, AL renter households; 49% of Jefferson, AL renters spend 30%+ of income on rent, 26% (Jefferson, AL) half or more.

Jefferson County, AL ranks #1,106 nationally on the opportunity index (Jefferson, AL, among all ranked counties); Jefferson, AL scores 30.8/100 and Jefferson, AL sits #42 inside Alabama. Jefferson, AL is in the watchlist opportunity phase; Jefferson, AL's primary driver is vacancy, Jefferson, AL second driver bank institutional; Jefferson, AL moved up 726 places. 154 short-sale listings across Jefferson, AL; 95 days on market observed in Jefferson, AL; 12.4% vacancy over 64 Jefferson, AL ZIPs.

1.2% of Jefferson County, AL mortgages were ninety-plus days late in December 2025; Jefferson, AL's thirty-to-eighty-nine-day share was 2.9% (CFPB county sample). Jefferson, AL's ninety-day rate is up 0.1 points on twelve months earlier; the Jefferson, AL peak since 2008 was 5.3% in December 2009; Alabama overall reads 1.1%.

Jefferson County, AL has 20 watched banks; 20 Jefferson, AL banks sit in an elevated band. Jefferson, AL footprints: Regions Bank (39 branches, stress 57) in Jefferson, AL; Southpoint Bank (5 branches, stress 97) in Jefferson, AL; Bryant Bank (5 branches, stress 61) in Jefferson, AL.

HUD lists 58 assisted multifamily properties in Jefferson County, AL with 5,567 units; 2,167 Jefferson, AL units are assisted, 22 Jefferson, AL properties under project-based Section 8.

40,906 of the 310,789 housing units in Jefferson, AL sit vacant. Jefferson County, AL permitted 1,239 multifamily units in twelve months; Jefferson, AL's one-to-four unit structures added 1,532 units in Jefferson County, AL.