St. Clair County, AL: Foreclosures, Tax Liens & Distressed Properties

St. Clair County, AL, Alabama: 18 ZIP codes scored, St. Clair County, AL averaging 29/100 (low, St. Clair, AL), from 28 to 30. St. Clair County, AL is in its peak phase (St. Clair, AL confidence 22/100): St. Clair, AL home prices up 2.7% (St. Clair, AL) over twelve months. St. Clair County, AL lender headwind: 45/100.

Highest-scoring St. Clair County, AL ZIPs: 35004 (30/100), 35052 (30/100), 35054 (30/100), 35112 (30/100), 35120 (30/100), 35125 (30/100). Also scored in St. Clair County, AL: 35131, 35135, 35953, 35987, 35094, 35128, 35146, 35178, 35121, 35133.

Across St. Clair County, AL's scored ZIPs: median home value $213,181, household income $81,009, 16.8% vacancy, 15.9% poverty, 84% owner-occupied, median age 45.6.

St. Clair County, AL insurance distress 77/100 (#458 in the US); FEMA hazard 87/100 for St. Clair, AL; 3 federal disaster declarations in St. Clair County, AL since 2023 (3 hurricane); 1 St. Clair, AL NFIP flood claims, $24K paid; St. Clair, AL construction distress 55/100.

8 banks with 19 branches lend in St. Clair County, AL; St. Clair, AL weighted bank stress 64/100, highest 93/100 in St. Clair, AL.

St. Clair County, AL unemployment 3.2% (St. Clair, AL +0.4 pts, six months); 448 new housing units permitted in St. Clair County, AL over twelve months, St. Clair, AL down 8% from 486; St. Clair, AL home prices +9.0% a year (St. Clair, AL) over three years.

39,247 housing units in St. Clair County, AL; 6,043 St. Clair, AL renter households; 32% of St. Clair, AL renters spend 30%+ of income on rent, 12% (St. Clair, AL) half or more.

St. Clair County, AL ranks #965 nationally on the opportunity index (St. Clair, AL, among all ranked counties); St. Clair, AL scores 31.3/100 and St. Clair, AL sits #38 inside Alabama. St. Clair, AL is in the watchlist opportunity phase; St. Clair, AL's primary driver is bank institutional, St. Clair, AL second driver construction; St. Clair, AL moved up 437 places. 15 short-sale listings across St. Clair, AL; 107 days on market observed in St. Clair, AL; 9.6% vacancy over 18 St. Clair, AL ZIPs.

No CFPB county sample covers St. Clair County, AL. The metro area reading for St. Clair, AL (Birmingham, AL): 1.0% ninety-plus days late; St. Clair, AL's thirty-to-eighty-nine share is 3.2% (St. Clair, AL, December 2025 data); Alabama overall 1.1%.

St. Clair County, AL has 4 watched banks; 4 St. Clair, AL banks sit in an elevated band. St. Clair, AL footprints: Metro Bank (6 branches, stress 47) in St. Clair, AL; Union State Bank (4 branches, stress 93) in St. Clair, AL; Peoples Independent Bank (1 branch, stress 64) in St. Clair, AL.

HUD lists 1 assisted multifamily property in St. Clair County, AL with 192 units.

4,140 of the 39,247 housing units in St. Clair, AL sit vacant. St. Clair County, AL permitted 56 multifamily units in twelve months; St. Clair, AL's one-to-four unit structures added 392 units in St. Clair County, AL.