ZIP 35054 Property Distress & Foreclosure Data

In St. Clair County, Alabama, ZIP 35054 scores 32 of 100 for composite distress, a moderate level on DLRadar's public-record index. Its standout signals are construction/permit lag (71/100), structural risk (70/100), institutional ownership (59/100). By contrast, mortgage stress (23/100) register low. It additionally carries heavy environmental risk: FEMA disaster exposure (83/100), climate & FEMA risk (74/100), flood (NFIP) exposure (65/100). On the structural side it scores 70/100, with 7/100 of stress already active.

The market reads peak — home values rose 2.9% year on year, and 29% higher over three years (phase confidence 27/100). Topping markets hide individual distress behind strong averages.

Median household income is $80,082, near the U.S. median near $78,000. 14.3% of residents fall below the poverty threshold. About 4,954 people live here, median age 50. The vacancy rate is 14.1% — elevated. DLRadar's demographic-stress index for the area reads 30/100. Educational attainment sits at 20% bachelor's-or-above. Owners hold 88% of homes, renters 12%. Home values center near $347,700, an affordability ratio of 3.4× — accessible. Around 37% of renters are cost-burdened. The ZIP holds roughly 1,900 housing units.

Net-net, 35054 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.