ZIP 36109 Property Distress & Foreclosure Data

Composite property distress in 36109 (Montgomery County, Alabama) lands at 33/100 — moderate on DLRadar's public-record scoring. The sharpest non-environmental signals are structural risk (74/100), institutional ownership (63/100), construction/permit lag (53/100). mortgage stress (25/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (91/100), FEMA disaster exposure (83/100), flood (NFIP) exposure (82/100). The latent-versus-live split is 74/100 structural and 7/100 already moving.

Prices here sit in a peak phase: values rose 3.1% over the trailing year, and 8% higher over three years (phase confidence 42/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

At $61,059, median income runs below typical U.S. levels. The poverty rate is 14.4%. Around 30% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 28/100. Around 48% of renters are cost-burdened. The typical home is worth about $140,600 (2.2× income, relatively affordable). The vacancy rate is 10.5%. 67% of housing is owner-occupied. The ZIP holds roughly 11,288 housing units. 24,093 residents call 36109 home, typically aged 40.

Overall, 36109 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.