ZIP 35186 Property Distress & Foreclosure Data

DLRadar grades ZIP 35186 (Shelby County, Alabama) at a low 29/100 for overall property distress. 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. It additionally carries heavy environmental risk: climate & FEMA risk (91/100), FEMA disaster exposure (83/100), flood (NFIP) exposure (72/100). On the structural side it scores 63/100, with 7/100 of stress already active.

The market reads peak — home values rose 2.9% year on year, and 10% higher over three years (phase confidence 27/100). Topping markets hide individual distress behind strong averages.

Median household income is $92,723, above the U.S. median near $78,000. 9.6% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 25/100. The ZIP holds roughly 2,140 housing units. Owners hold 81% of homes, renters 19%. Educational attainment sits at 25% bachelor's-or-above. Around 19% of renters are cost-burdened. Home values center near $304,300, an affordability ratio of 3.1× — accessible. The vacancy rate is 8.0%. About 5,121 people live here, median age 47.

Net-net, 35186 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.