ZIP 35078 Foreclosure, Tax-Lien & Distress Report

ZIP 35078's composite property-distress score is 29/100 - DLRadar classes that as low for Shelby County, Alabama. Environmental exposure also runs high (climate & FEMA risk (91/100), FEMA disaster exposure (78/100), flood (NFIP) exposure (72/100)). The split runs 64/100 structural to 7/100 active on the ground. Its heaviest discrete signals: structural risk (64/100), institutional ownership (58/100), construction/permit lag (24/100). construction/permit lag (24/100) and mortgage stress (22/100) stay muted.

The market reads peak — home values rose 2.7% year on year, and 18% higher over three years, at 22/100 phase confidence. Topping markets hide individual distress behind strong averages.

Median household income is $73,145, near the U.S. median near $78,000. The poverty rate is 7.1% — low. The vacancy rate is 18.7% — elevated. Around 15% of renters are cost-burdened. Educational attainment sits at 17% bachelor's-or-above. On demographic stress specifically, 35078 scores 24/100. The typical home is worth about $216,100 (2.6× income, relatively affordable). 87% of housing is owner-occupied. 2,058 residents call 35078 home, typically aged 40. There are about 1,023 housing units across 35078.

On the whole, 35078 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 35078 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Because one deterministic model scores every ZIP, 35078's 29/100 can be lined up against any neighbor in Shelby County, Alabama or any ZIP coast to coast. Every figure is auditable to a public dataset and refreshed on ingest; 35078 shows blanks, not estimates, wherever the record is sparse.

35078's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For an operator, 35078 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.