ZIP 38118 Property Distress & Foreclosure Data

ZIP code 38118 in Shelby County, Tennessee carries a composite property-distress score of 36/100 — a moderate reading on DLRadar's deterministic public-record index. 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). Environmental exposure also runs high (climate & FEMA risk (99/100), flood (NFIP) exposure (85/100)). The latent-versus-live split is 81/100 structural and 6/100 already moving.

The recovery-phase market in 38118 posted values that rose 2.2% over the year, and 19% higher over three years (phase confidence 13/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Households earn a median $42,464 — below the roughly $78,000 national figure. The vacancy rate is 18.7% — elevated. On demographic stress specifically, 38118 scores 39/100. About 12% have a four-year degree. Roughly 32.5% live below the poverty line, elevated and often tied to deferred-maintenance inventory. A median home runs $107,600 here, or 2.3 times local income. The ZIP holds roughly 16,253 housing units. Population is roughly 39,162 with a median age of 29. Around 50% of renters are cost-burdened. The tenure split is 38% owner-occupied to 62% rented.

On the whole, 38118 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.