ZIP 35645 Property Distress & Foreclosure Data

DLRadar grades ZIP 35645 (Lauderdale County, Alabama) at a low 27/100 for overall property distress. It additionally carries heavy environmental risk: climate & FEMA risk (85/100), FEMA disaster exposure (83/100), flood (NFIP) exposure (73/100). On the structural side it scores 57/100, with 7/100 of stress already active. Property-level stress concentrates in institutional ownership (61/100), structural risk (57/100), mortgage stress (24/100). By contrast, mortgage stress (24/100) register low.

The market reads peak — home values rose 4.7% year on year, and 15% higher over three years (phase confidence 48/100). Topping markets hide individual distress behind strong averages.

Median household income is $80,078, near the U.S. median near $78,000. 7.4% of residents fall below the poverty threshold. Around 14% of renters are cost-burdened. Educational attainment sits at 30% bachelor's-or-above. Owners hold 82% of homes, renters 18%. About 13,756 people live here, median age 44. DLRadar's demographic-stress index for the area reads 22/100. Home values center near $221,000, an affordability ratio of 2.6× — accessible. The ZIP holds roughly 6,002 housing units. The vacancy rate is 8.8%.

Net-net, 35645 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.