ZIP 35023 Property Distress & Foreclosure Data

DLRadar grades ZIP 35023 (Jefferson County, Alabama) at a moderate 32/100 for overall property distress. Property-level stress concentrates in structural risk (71/100), institutional ownership (62/100), construction/permit lag (37/100). construction/permit lag (37/100) and mortgage stress (24/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (97/100), FEMA disaster exposure (83/100), flood (NFIP) exposure (76/100). The latent-versus-live split is 71/100 structural and 7/100 already moving.

Prices here sit in a peak phase: values rose 2.9% over the trailing year, and 14% higher over three years (phase confidence 27/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The demographic-stress sub-score lands at 27/100. The poverty rate is 14.1%. Around 36% of renters are cost-burdened. The vacancy rate is 12.5% — elevated. The typical home is worth about $161,800 (2.2× income, relatively affordable). Around 19% of adults hold a bachelor's degree or higher. 25,221 residents call 35023 home, typically aged 39. 81% of housing is owner-occupied. At $69,288, median income runs near typical U.S. levels. The ZIP holds roughly 9,918 housing units.

Taken together, 35023 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.