ZIP 35078 Property Distress & Foreclosure Data

DLRadar grades ZIP 35078 (Shelby County, Alabama) at a low 29/100 for overall property distress. It additionally carries heavy environmental risk: climate & FEMA risk (91/100), FEMA disaster exposure (83/100), flood (NFIP) exposure (72/100). The latent-versus-live split is 63/100 structural and 7/100 already moving. Property-level stress concentrates in structural risk (63/100), institutional ownership (61/100), mortgage stress (22/100). By contrast, mortgage stress (22/100) and construction/permit lag (17/100) register low.

The market reads peak — home values rose 2.9% year on year, and 18% higher over three years (phase confidence 27/100). Topping markets hide individual distress behind strong averages.

Median household income is $73,145, near the U.S. median near $78,000. 7.1% of residents fall below the poverty threshold. The vacancy rate is 18.7% — elevated. Around 15% of renters are cost-burdened. Educational attainment sits at 17% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 24/100. Home values center near $216,100, an affordability ratio of 2.6× — accessible. Owners hold 87% of homes, renters 13%. About 2,058 people live here, median age 40. The ZIP holds roughly 1,023 housing units.

Net-net, 35078 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.