ZIP 36863 Property Distress & Foreclosure Data

ZIP code 36863 in Chambers County, Alabama carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic public-record index. Structural risk reads 43/100 against active distress of 6/100. What sets it apart are the readings on construction/permit lag (53/100), institutional ownership (45/100), structural risk (43/100). By contrast, mortgage stress (19/100) register low. It additionally carries heavy environmental risk: FEMA disaster exposure (83/100).

The market reads peak — home values rose 3.5% year on year, and 20% higher over three years, at 32/100 phase confidence. Topping markets hide individual distress behind strong averages.

Home values center near $111,400, an affordability ratio of 2.5× — accessible. Rent burden reaches 33% of tenant households. About 12,335 people live here, median age 43. Educational attainment sits at 10% bachelor's-or-above. Vacancy runs 18.5%, above the national norm and a classic distress-and-opportunity signal. Median household income is $45,313, below the U.S. median near $78,000. Owners hold 72% of homes, renters 28%. There are about 5,072 housing units across 36863. DLRadar's demographic-stress index for the area reads 30/100. 16.0% of residents fall below the poverty threshold.

Net-net, 36863 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.