ZIP 35040 Property Distress & Foreclosure Data

In Shelby County, Alabama, ZIP 35040 scores 28 of 100 for composite distress, a low level on DLRadar's public-record index. Environmental exposure also runs high (climate & FEMA risk (85/100), FEMA disaster exposure (83/100), flood (NFIP) exposure (72/100)). Its standout signals are institutional ownership (61/100), structural risk (61/100), mortgage stress (23/100). On the quiet end sit mortgage stress (23/100) and construction/permit lag (16/100). Structural risk reads 61/100 against active distress of 7/100.

The peak-phase market in 35040 posted values that rose 2.9% over the year, and 19% higher over three years, at 27/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

A median home runs $232,300 here, or 2.6 times local income. The tenure split is 80% owner-occupied to 20% rented. Vacancy runs 6.8%. Rent burden reaches 48% of tenant households. On demographic stress specifically, 35040 scores 27/100. About 34% have a four-year degree. There are about 7,818 housing units across 35040. Roughly 7.5% live below the poverty line. Population is roughly 18,819 with a median age of 33. Households earn a median $80,267 — near the roughly $78,000 national figure.

On balance 35040 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.