ZIP 36266 Property Distress & Foreclosure Data

DLRadar grades ZIP 36266 (Clay County, Alabama) at a low 16/100 for overall property distress. It additionally carries heavy environmental risk: FEMA disaster exposure (83/100). The latent-versus-live split is 35/100 structural and 6/100 already moving. Property-level stress concentrates in institutional ownership (50/100), construction/permit lag (39/100), structural risk (35/100). By contrast, structural risk (35/100) and mortgage stress (22/100) register low.

The market reads peak — home values rose 4.2% year on year, and 64% higher over three years (phase confidence 38/100). Topping markets hide individual distress behind strong averages.

Median household income is $50,168, below the U.S. median near $78,000. 16.6% of residents fall below the poverty threshold. The ZIP holds roughly 3,307 housing units. Educational attainment sits at 15% bachelor's-or-above. Around 43% of renters are cost-burdened. The vacancy rate is 23.6% — elevated. About 6,185 people live here, median age 45. DLRadar's demographic-stress index for the area reads 35/100. Home values center near $206,400, an affordability ratio of 3.7× — accessible. Owners hold 75% of homes, renters 25%.

Net-net, 36266 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.