ZIP 35045 Property Distress & Foreclosure Data

In Chilton County, Alabama, ZIP 35045 scores 22 of 100 for composite distress, a low level on DLRadar's public-record index. It additionally carries heavy environmental risk: FEMA disaster exposure (83/100), flood (NFIP) exposure (69/100). The latent-versus-live split is 47/100 structural and 7/100 already moving. Its standout signals are institutional ownership (60/100), structural risk (47/100), mortgage stress (23/100). By contrast, mortgage stress (23/100) register low.

The market reads peak — home values rose 2.9% year on year, and 9% higher over three years (phase confidence 27/100). Topping markets hide individual distress behind strong averages.

Median household income is $62,078, below the U.S. median near $78,000. Home values center near $181,500, an affordability ratio of 2.6× — accessible. Around 22% of renters are cost-burdened. The vacancy rate is 4.6%. 14.8% of residents fall below the poverty threshold. Educational attainment sits at 21% bachelor's-or-above. About 15,078 people live here, median age 39. The ZIP holds roughly 6,703 housing units. DLRadar's demographic-stress index for the area reads 26/100. Owners hold 71% of homes, renters 29%.

Net-net, 35045 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.