ZIP 35816 Property Distress & Foreclosure Data

DLRadar grades ZIP 35816 (Madison County, Alabama) at a moderate 35/100 for overall property distress. It additionally carries heavy environmental risk: climate & FEMA risk (95/100), FEMA disaster exposure (83/100), flood (NFIP) exposure (74/100). The latent-versus-live split is 76/100 structural and 7/100 already moving. Property-level stress concentrates in structural risk (76/100), construction/permit lag (64/100), institutional ownership (61/100). By contrast, mortgage stress (23/100) register low.

The market reads peak — home values rose 3.6% year on year, and 8% higher over three years (phase confidence 33/100). Topping markets hide individual distress behind strong averages.

Median household income is $38,947, below the U.S. median near $78,000. Home values center near $128,900, an affordability ratio of 2.9× — accessible. Owners hold 27% of homes, renters 73%. Around 45% of renters are cost-burdened. The ZIP holds roughly 8,216 housing units. Educational attainment sits at 27% bachelor's-or-above. 25.0% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 36/100. The vacancy rate is 12.2% — elevated. About 15,172 people live here, median age 29.

Net-net, 35816 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.