ZIP 38122 Property Distress & Foreclosure Data

ZIP code 38122 in Shelby County, Tennessee carries a composite property-distress score of 36/100 — a moderate reading on DLRadar's deterministic public-record index. Structural exposure scores 81 and live distress 6 on the 0–100 scale. What sets it apart are the readings on construction/permit lag (89/100), structural risk (81/100), institutional ownership (51/100). mortgage stress (20/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (99/100), flood (NFIP) exposure (85/100).

Prices here sit in a recovery phase: values rose 2.2% over the trailing year, and 10% higher over three years, at 13/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

Vacancy runs 8.8%. The poverty rate is 27.2% — high, a tax-stress and distress correlate. 49% of housing is owner-occupied. At $45,456, median income runs below typical U.S. levels. 25,310 residents call 38122 home, typically aged 31. There are about 9,934 housing units across 38122. The typical home is worth about $123,000 (2.4× income, relatively affordable). Rent burden reaches 45% of tenant households. Around 22% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 34/100.

Taken together, 38122 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.