ZIP 38108 Property Distress & Foreclosure Data

Shelby County, Tennessee's ZIP 38108 registers 36/100 composite distress, which DLRadar reads as moderate. It additionally carries heavy environmental risk: climate & FEMA risk (99/100), flood (NFIP) exposure (85/100). The most distinctive pressure shows up in construction/permit lag (89/100), structural risk (81/100), institutional ownership (51/100). By contrast, mortgage stress (20/100) register low. Structural exposure scores 81 and live distress 6 on the 0–100 scale.

The market reads recovery — home values rose 2.2% year on year, and 50% higher over three years, at 13/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

There are about 7,714 housing units across 38108. 28.0% of residents fall below the poverty threshold. About 18,501 people live here, median age 34. Educational attainment sits at 11% bachelor's-or-above. Home values center near $71,200, an affordability ratio of 1.8× — accessible. Median household income is $35,435, below the U.S. median near $78,000. Owners hold 47% of homes, renters 53%. DLRadar's demographic-stress index for the area reads 34/100. Vacancy runs 16.6%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 44% of tenant households.

Net-net, 38108 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.