ZIP 35640 Property Distress & Foreclosure Data

DLRadar grades ZIP 35640 (Morgan County, Alabama) at a low 26/100 for overall property distress. Environmental exposure also runs high (climate & FEMA risk (88/100), FEMA disaster exposure (83/100)). Property-level stress concentrates in structural risk (53/100), institutional ownership (45/100), construction/permit lag (37/100). On the quiet end sit construction/permit lag (37/100) and mortgage stress (18/100). Structural exposure scores 53 and live distress 5 on the 0–100 scale.

The contraction-phase market in 35640 posted values that fell 1.0% over the year, 3.6% off the recent peak, and 12% higher over three years, at 57/100 phase confidence. Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

There are about 11,336 housing units across 35640. Rent burden reaches 33% of tenant households. Population is roughly 26,976 with a median age of 40. About 25% have a four-year degree. A median home runs $210,000 here, or 2.8 times local income. On demographic stress specifically, 35640 scores 27/100. Vacancy runs 7.3%. Households earn a median $69,686 — near the roughly $78,000 national figure. The tenure split is 80% owner-occupied to 20% rented. Roughly 11.9% live below the poverty line.

On the whole, 35640 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.