ZIP 38105 Property Distress & Foreclosure Data

In Shelby County, Tennessee, ZIP 38105 scores 36 of 100 for composite distress, a moderate level on DLRadar's public-record index. Its standout signals are construction/permit lag (89/100), structural risk (81/100), institutional ownership (51/100). By contrast, mortgage stress (20/100) register low. On the structural side it scores 81/100, with 6/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (99/100), flood (NFIP) exposure (85/100).

The market reads recovery — home values rose 2.2% year on year (phase confidence 13/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Median household income is $29,316, below the U.S. median near $78,000. Owners hold 14% of homes, renters 86%. The ZIP holds roughly 4,269 housing units. Home values center near $90,200, an affordability ratio of 2.6× — accessible. Educational attainment sits at 22% bachelor's-or-above. About 5,151 people live here, median age 44. Around 44% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 39/100. 31.4% of residents fall below the poverty threshold. The vacancy rate is 21.8% — elevated.

Net-net, 38105 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.