ZIP 35115 Property Distress & Foreclosure Data

Shelby County, Alabama's ZIP 35115 registers 27/100 composite distress, which DLRadar reads as low. Environmental exposure also runs high (FEMA disaster exposure (83/100), climate & FEMA risk (78/100), flood (NFIP) exposure (70/100)). The latent-versus-live split is 58/100 structural and 7/100 already moving. The most distinctive pressure shows up in institutional ownership (60/100), structural risk (58/100), mortgage stress (22/100). On the quiet end sit mortgage stress (22/100) and construction/permit lag (16/100).

The peak-phase market in 35115 posted values that rose 2.9% over the year, and 18% higher over three years (phase confidence 27/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The ZIP holds roughly 6,474 housing units. A median home runs $179,000 here, or 3.1 times local income. Roughly 17.4% live below the poverty line, elevated and often tied to deferred-maintenance inventory. The tenure split is 72% owner-occupied to 28% rented. Around 33% of renters are cost-burdened. On demographic stress specifically, 35115 scores 30/100. About 22% have a four-year degree. Population is roughly 16,911 with a median age of 32. Households earn a median $54,157 — below the roughly $78,000 national figure. The vacancy rate is 7.9%.

On balance 35115 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.