ZIP 35603 Property Distress & Foreclosure Data

In Morgan County, Alabama, ZIP 35603 scores 26 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are structural risk (53/100), institutional ownership (45/100), construction/permit lag (37/100). By contrast, construction/permit lag (37/100) and mortgage stress (18/100) register low. The latent-versus-live split is 53/100 structural and 5/100 already moving. It additionally carries heavy environmental risk: climate & FEMA risk (88/100), FEMA disaster exposure (83/100).

The market reads contraction — home values fell 1.0% year on year, 3.6% off the recent peak, and 9% higher over three years (phase confidence 57/100). A cooling market tends to open discount-to-value windows.

Educational attainment sits at 29% bachelor's-or-above. 7.4% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 26/100. Around 31% of renters are cost-burdened. Median household income is $78,237, near the U.S. median near $78,000. The vacancy rate is 6.6%. About 31,875 people live here, median age 43. Owners hold 74% of homes, renters 26%. Home values center near $247,400, an affordability ratio of 3.0× — accessible. The ZIP holds roughly 14,274 housing units.

Net-net, 35603 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.