ZIP 38103 Property Distress & Foreclosure Data

Shelby County, Tennessee's ZIP 38103 registers 36/100 composite distress, which DLRadar reads as moderate. The most distinctive pressure shows up in construction/permit lag (89/100), structural risk (81/100), institutional ownership (51/100). On the quiet end sit mortgage stress (20/100). The latent-versus-live split is 81/100 structural and 6/100 already moving. Environmental exposure also runs high (climate & FEMA risk (99/100), flood (NFIP) exposure (85/100)).

The recovery-phase market in 38103 posted values that rose 2.2% over the year, and 15% higher over three years (phase confidence 13/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

The ZIP holds roughly 9,303 housing units. Roughly 8.1% live below the poverty line. Households earn a median $75,763 — near the roughly $78,000 national figure. Around 37% of renters are cost-burdened. Population is roughly 14,025 with a median age of 34. The vacancy rate is 9.0%. About 61% have a four-year degree. The tenure split is 31% owner-occupied to 69% rented. On demographic stress specifically, 38103 scores 34/100. A median home runs $397,300 here, or 5.0 times local income.

On balance 38103 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.