ZIP 36854 Property Distress & Foreclosure Data

ZIP code 36854 in Chambers County, Alabama carries a composite property-distress score of 27/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: FEMA disaster exposure (83/100). What sets it apart are the readings on construction/permit lag (65/100), structural risk (58/100), institutional ownership (53/100). By contrast, mortgage stress (21/100) register low. Structural exposure scores 58 and live distress 6 on the 0–100 scale.

The market reads peak — home values rose 3.6% year on year, and 23% higher over three years, at 36/100 phase confidence. Topping markets hide individual distress behind strong averages.

Owners hold 69% of homes, renters 31%. There are about 7,974 housing units across 36854. Educational attainment sits at 19% bachelor's-or-above. Median household income is $60,385, below the U.S. median near $78,000. Vacancy runs 19.6%, above the national norm and a classic distress-and-opportunity signal. 14.1% of residents fall below the poverty threshold. About 15,913 people live here, median age 37. Rent burden reaches 31% of tenant households. Home values center near $160,100, an affordability ratio of 2.4× — accessible. DLRadar's demographic-stress index for the area reads 29/100.

Net-net, 36854 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.