ZIP 36421 Property Distress & Foreclosure Data

ZIP code 36421 in Covington County, Alabama carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic public-record index. Structural exposure scores 55 and live distress 6 on the 0–100 scale. Climate and flood risk are elevated too — FEMA disaster exposure (83/100), climate & FEMA risk (70/100). What sets it apart are the readings on construction/permit lag (65/100), structural risk (55/100), institutional ownership (45/100). mortgage stress (20/100) stay muted.

Prices here sit in a peak phase: values rose 4.2% over the trailing year, and 10% higher over three years, at 38/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

9,861 residents call 36421 home, typically aged 42. 79% of housing is owner-occupied. Vacancy runs 22.4%, above the national norm and a classic distress-and-opportunity signal. The demographic-stress sub-score lands at 27/100. There are about 4,794 housing units across 36421. Rent burden reaches 24% of tenant households. The typical home is worth about $170,900 (2.5× income, relatively affordable). At $63,781, median income runs below typical U.S. levels. The poverty rate is 13.2%. Around 17% of adults hold a bachelor's degree or higher.

Taken together, 36421 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.