ZIP 38120 Property Distress & Foreclosure Data

Composite property distress in 38120 (Shelby County, Tennessee) lands at 36/100 — moderate on DLRadar's public-record scoring. Structural risk reads 81/100 against active distress of 6/100. The sharpest non-environmental signals are construction/permit lag (89/100), structural risk (81/100), institutional ownership (51/100). By contrast, mortgage stress (20/100) register low. 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, and 0% higher over three years, at 13/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

There are about 6,507 housing units across 38120. Median household income is $119,309, above the U.S. median near $78,000. Home values center near $460,700, an affordability ratio of 3.5× — accessible. DLRadar's demographic-stress index for the area reads 24/100. About 13,249 people live here, median age 45. Educational attainment sits at 71% bachelor's-or-above. Owners hold 73% of homes, renters 27%. 7.1% of residents fall below the poverty threshold. Vacancy runs 8.2%. Rent burden reaches 38% of tenant households.

Net-net, 38120 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.