ZIP 38109 Property Distress & Foreclosure Data

ZIP code 38109 in Shelby County, Tennessee carries a composite property-distress score of 36/100 — a moderate reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (climate & FEMA risk (99/100), flood (NFIP) exposure (85/100)). On the structural side it scores 81/100, with 6/100 of stress already active. What sets it apart are the readings on construction/permit lag (89/100), structural risk (81/100), institutional ownership (51/100). On the quiet end sit mortgage stress (20/100).

The recovery-phase market in 38109 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.

Roughly 31.6% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Around 57% of renters are cost-burdened. The vacancy rate is 11.5% — elevated. About 14% have a four-year degree. On demographic stress specifically, 38109 scores 36/100. The ZIP holds roughly 18,865 housing units. Households earn a median $36,934 — below the roughly $78,000 national figure. A median home runs $80,400 here, or 2.1 times local income. The tenure split is 54% owner-occupied to 46% rented. Population is roughly 43,764 with a median age of 39.

On the whole, 38109 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.