ZIP 35221 Property Distress & Foreclosure Data

DLRadar grades ZIP 35221 (Jefferson County, Alabama) at a moderate 32/100 for overall property distress. Climate and flood risk are elevated too — climate & FEMA risk (97/100), FEMA disaster exposure (83/100), flood (NFIP) exposure (76/100). The latent-versus-live split is 71/100 structural and 7/100 already moving. Property-level stress concentrates in structural risk (71/100), institutional ownership (62/100), construction/permit lag (37/100). construction/permit lag (37/100) and mortgage stress (24/100) stay muted.

Prices here sit in a peak phase: values rose 2.9% over the trailing year (phase confidence 27/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

At $39,750, median income runs below typical U.S. levels. The typical home is worth about $73,500 (1.8× income, relatively affordable). The poverty rate is 20.3% — high, a tax-stress and distress correlate. Around 13% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 31/100. 3,127 residents call 35221 home, typically aged 53. Around 44% of renters are cost-burdened. 65% of housing is owner-occupied. The vacancy rate is 30.4% — elevated. The ZIP holds roughly 2,205 housing units.

Taken together, 35221 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.