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

Madison County, AL, Alabama: 25 ZIP codes scored, Madison County, AL averaging 32/100 (moderate, Madison, AL), from 25 to 33. Madison County, AL is in its peak phase (Madison, AL confidence 16/100): Madison, AL home prices up 2.9% (Madison, AL) over twelve months. Madison County, AL lender headwind: 47/100.

Highest-scoring Madison County, AL ZIPs: 35741 (33/100), 35750 (33/100), 35757 (33/100), 35758 (33/100), 35759 (33/100), 35760 (33/100). Also scored in Madison County, AL: 35761, 35763, 35801, 35802, 35803, 35805, 35806, 35808, 35810, 35811.

Across Madison County, AL's scored ZIPs: median home value $284,787, household income $89,135, 7.2% vacancy, 10.3% poverty, 71% owner-occupied, median age 39.0.

Madison County, AL insurance distress 85/100 (#218 in the US); FEMA hazard 87/100 for Madison, AL; 3 federal disaster declarations in Madison County, AL since 2023 (3 hurricane); 11 Madison, AL NFIP flood claims, $354K paid; Madison, AL construction distress 41/100.

35 banks with 103 branches lend in Madison County, AL; Madison, AL weighted bank stress 62/100, highest 94/100 in Madison, AL.

Madison County, AL unemployment 3.0% (Madison, AL +0.2 pts, six months); 4,093 new housing units permitted in Madison County, AL over twelve months, Madison, AL up 9% from 3,749; Madison, AL home prices +9.3% a year (Madison, AL) over three years.

178,607 housing units in Madison County, AL; 50,728 Madison, AL renter households; 43% of Madison, AL renters spend 30%+ of income on rent, 21% (Madison, AL) half or more.

Madison County, AL ranks #1,214 nationally on the opportunity index (Madison, AL, among all ranked counties); Madison, AL scores 30.4/100 and Madison, AL sits #46 inside Alabama. Madison, AL is in the watchlist opportunity phase; Madison, AL's primary driver is bank institutional, Madison, AL second driver listings discount; Madison, AL moved up 923 places. 153 short-sale listings across Madison, AL; 73 days on market observed in Madison, AL; 6.8% vacancy over 25 Madison, AL ZIPs.

0.6% of Madison County, AL mortgages were ninety-plus days late in December 2025; Madison, AL's thirty-to-eighty-nine-day share was 2.3% (CFPB county sample). Madison, AL's ninety-day rate is up 0.1 points on twelve months earlier; the Madison, AL peak since 2008 was 2.8% in January 2010; Alabama overall reads 1.1%.

Madison County, AL has 17 watched banks; 17 Madison, AL banks sit in an elevated band. Madison, AL footprints: Regions Bank (15 branches, stress 57) in Madison, AL; Bank Independent (5 branches, stress 77) in Madison, AL; Cb&S Bank Inc (4 branches, stress 87) in Madison, AL.

HUD lists 19 assisted multifamily properties in Madison County, AL with 2,512 units; 439 Madison, AL units are assisted, 5 Madison, AL properties under project-based Section 8.

13,576 of the 178,607 housing units in Madison, AL sit vacant. Madison County, AL permitted 891 multifamily units in twelve months; Madison, AL's one-to-four unit structures added 3,202 units in Madison County, AL.