ZIP 35540 Property Distress & Foreclosure Data

In Winston County, Alabama, ZIP 35540 scores 21 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). The latent-versus-live split is 45/100 structural and 6/100 already moving. Its standout signals are construction/permit lag (49/100), institutional ownership (45/100), structural risk (45/100). By contrast, mortgage stress (21/100) register low.

The market reads peak — home values rose 4.2% year on year (phase confidence 38/100). Topping markets hide individual distress behind strong averages.

Around 18% of renters are cost-burdened. Educational attainment sits at 13% bachelor's-or-above. Median household income is $51,454, below the U.S. median near $78,000. About 2,092 people live here, median age 44. 15.4% of residents fall below the poverty threshold. Home values center near $119,500, an affordability ratio of 2.3× — accessible. The ZIP holds roughly 1,099 housing units. Owners hold 84% of homes, renters 16%. DLRadar's demographic-stress index for the area reads 25/100. The vacancy rate is 20.5% — elevated.

Net-net, 35540 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.