ZIP 35096 Property Distress & Foreclosure Data

DLRadar grades ZIP 35096 (Talladega County, Alabama) at a moderate 32/100 for overall property distress. Property-level stress concentrates in structural risk (70/100), institutional ownership (63/100), construction/permit lag (49/100). By contrast, mortgage stress (25/100) register low. The latent-versus-live split is 70/100 structural and 7/100 already moving. It additionally carries heavy environmental risk: flood (NFIP) exposure (83/100), FEMA disaster exposure (83/100), climate & FEMA risk (82/100).

The market reads peak — home values rose 3.9% year on year, and 6% higher over three years (phase confidence 30/100). Topping markets hide individual distress behind strong averages.

Owners hold 91% of homes, renters 9%. Around 27% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 25/100. Educational attainment sits at 18% bachelor's-or-above. Median household income is $74,650, near the U.S. median near $78,000. The ZIP holds roughly 4,136 housing units. 10.5% of residents fall below the poverty threshold. About 9,201 people live here, median age 39. Home values center near $186,700, an affordability ratio of 2.4× — accessible. The vacancy rate is 17.0% — elevated.

Net-net, 35096 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.